| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDWICK INSURANCE SERVICES, LLC3 | 1530 AMERICAN WAY, SUITE 200 GREENWOOD, IN 46143 | HUMANA INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HARDWICK INSURANCE SERVICES, LLC3 | 1530 AMERICAN WAY, SUITE 222 GREENWOOD, IN 46143 | HUMANA INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| NORTH84, LLC3 | 19 CARNABY DRIVE BROWNSBURG, IN 46112 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.63% |
| NORTH84, LLC3 | 19 CARNABY DRIVE BROWNSBURG, IN 46112 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO ADVISORS FINANCIAL | 107 N. ST. ROAD 135 203 GREENWOOD, IN 46142 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.86% |
| NORTH84, LLC3 | 19 CARNABY DRIVE BROWNSBURG, IN 46112 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.57% |
| NORTH84, LLC3 | 19 CARNABY DRIVE BROWNSBURG, IN 46112 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.54% |
| NORTH84, LLC3 | 19 CARNABY DRIVE BROWNSBURG, IN 46112 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $822 | — | $822 | 1.71% |
| NORTH84, LLC3 | 19 CARNABY DRIVE BROWNSBURG, IN 46112 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $636 | — | $636 | 1.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA INSURANCE COMPANY EIN 39-1263473 TPA | Contract Administrator; Claims processing Service code 12 | — | $276K |
| MILLIMAN, INC. EIN 91-0675641 ACTUARIAL | Actuarial Service code 11 | 1120 SOUTH 101ST ST. OMAHA, NE 68124 | $27K |
| CLIFTONLARSENALLEN, LLP EIN 41-0746749 AUDITORS | Accounting (including auditing) Service code 10 | 9365 COUNSELORS ROW INDIANAPOLIS, IN 46240 | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,949 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA INSURANCE COMPANY | 925 | $1.7M |
| Dental | HUMANA INSURANCE COMPANY | 925 | $749K |
| Vision | HUMANA INSURANCE COMPANY | 925 | $749K |
| Life insurance(3 contracts) | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 1,949 | $306K |
| Short-term disability(2 contracts) | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 216 | $128K |
| Long-term disability(2 contracts) | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 180 | $136K |
| Prescription drug | HUMANA INSURANCE COMPANY | 90 | $998K |
| Other(3 contracts) | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 1,949 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,949 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.