| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHARTON INSURANCE & FINANCIAL SERV3 | 3091 E 98TH ST STE 150 INDIANAPOLIS, IN 46280 | DELTA DENTAL OF INDIANA | $57K | $0 | $57K | 6.43% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 3091 E 98TH ST STE 150 INDIANAPOLIS, IN 46280 | ANTHEM INSURANCE COMPANY | $0 | $357 | $357 | 0.06% |
| WHARTON INSURANCE & FINANCIAL SERV3 Filed as: WHARTON INSURANCE & FINANCIAL SERV. | 3091 E 98TH ST STE 150 INDIANAPOLIS, IN 46280 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $1K | $45K | 15.47% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 3091 E 98TH ST STE 150 INDIANAPOLIS, IN 46280 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | $2K | $43K | 15.58% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 3091 E 98TH ST STE 150 INDIANAPOLIS, IN 46280 | LINCOLN NATIONAL INSURANCE COMPANY | $34K | $1K | $35K | 15.60% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 3091 E 98TH ST STE 150 INDIANAPOLIS, IN 46280 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.00% |
| WHARTON INSURANCE & FINANCIAL SERV3 Filed as: WHARTON INSURANCE & FINANCIAL SERV. | 3091 E 98TH ST STE 150 INDIANAPOLIS, IN 46280 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $314 | $14K | 15.35% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 3091 E 98TH ST STE 150 INDIANAPOLIS, IN 46280 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 SERVICE PROVIDER | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Other services; Contract Administrator Service code 12 | 1351 WM HOWARD TAFT RD CINCINNATI, OH 452061721 | $1.7M |
| MILLIMAN, INC. SERVICE PROVIDER | Other services Service code 49 | 1120 SOUTH 101 STREET STE 4 OMAHA, NE 681241088 | $177K |
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 | 2,980 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANY | 2,106 | $575K |
| Dental | DELTA DENTAL OF INDIANA | 3,674 | $880K |
| Vision | ANTHEM INSURANCE COMPANY | 2,106 | $575K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,980 | $379K |
| Short-term disability(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,980 | $643K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 456 | $102K |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,813 | $827K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,674 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.