| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF INDIANA LLC | 10401 N MERIDIAN ST SUITE 300 INDIANAPOLIS, IN 46290 | THE GUARDIAN LIFE INSURANCE COMPANY | $91K | $10K | $101K | 15.66% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 27061 OAKMEAD DR PERRYSBURG, OH 43551 | THE GUARDIAN LIFE INSURANCE COMPANY | $28K | — | $28K | 4.33% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF INDIANA, LLC | 10 E MAIN STREET STE 400 CARMEL, IN 46032 | HCC LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF INDIANA, LLC | 10 E MAIN ST STE 400 CARMEL, IN 46032 | VISION SERVICE PLAN | $3K | — | $3K | 2.55% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 200 COLONIAL CENTER PKWY STE 140 LAKE MARY, FL 32746 | GUARDIAN LIFE INSURANCE COMPANY | — | $347 | $347 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $441K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $48K |
| DELTA DENTAL OF INDIANA EIN 35-1545647 BENEFIT ADMIN | Contract Administrator; Claims processing Service code 12 | — | $23K |
| ASSUREDPARTNERS OF INDIANA LLC BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 9247 N MERIDIAN ST STE 300 INDIANAPOLIS, IN 46260 | $16K |
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 | 637 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 432 | $104K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 637 | $644K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 592 | $35K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 637 | $644K |
| Other | HCC LIFE INSURANCE COMPANY | 524 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 637 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.