| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACLEENAN & BAIN INS AGENCY3 | 214 ABERDEEN DRIVE VALPARAISO, IN 46385 | UNITEDHEALTHCARE | $25K | — | $25K | 1.83% |
| MACLENNAN & BAIN INSURANCE3 Filed as: MACLENNAN BAIN INC. | 214 ABERDEEN DRIVE VALPARAISO, IN 46385 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.18% |
| MACLENNEN BAIN INC.3 | 214 ABERDEEN DRIVE VALPARAISO, IN 46385 | STANDARD LIFE INSURANCE | $4K | — | $4K | 7.77% |
| MACLENNAN & BAIN INSURANCE3 Filed as: MACLENNAN BAIN INC. | 214 ABERDEEN DRIVE VALAPARISO, IN 46385 | STANDARD LIFE INSURANCE | $3K | — | $3K | 9.29% |
| MACLENNAN & BAIN INSURANCE3 Filed as: MACLENNAN BAIN INC. | 214 ABERDEEN DRIVE VALPARAISO, IN 46385 | STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.93% |
| MACLENNAN & BAIN INSURANCE3 | 214 ABERDEEN DRIVE VALPARAISO, IN 46385 | EYEMED VISION CARE | $883 | — | $883 | 9.00% |
No Schedule C service providers reported on this filing.
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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE | 211 | $1.4M |
| Dental | STANDARD INSURANCE COMPANY | 97 | $61K |
| Vision | EYEMED VISION CARE | 180 | $10K |
| Life insurance | STANDARD LIFE INSURANCE | 124 | $30K |
| Short-term disability | STANDARD LIFE INSURANCE | 124 | $56K |
| Long-term disability | STANDARD LIFE INSURANCE COMPANY | 40 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.