| 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 | $0 | $0 | $0 | 0.00% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 3091 E 98TH ST STE 150 INDIANAPOLIS, IN 46280 | ANTHEM INSURANCE COMPANY | $0 | $108 | $108 | 0.01% |
| WHARTON INSURANCE & FINANCIAL SERV3 Filed as: WHARTON INSURANCE & FINANCIAL SERV. | 3091 E 98TH ST STE 150 INDIANAPOLIS, IN 46280 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $58K | $9K | $67K | 17.22% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 3091 E 98TH ST STE 150 INDIANAPOLIS, IN 46280 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | $8K | $60K | 17.19% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 3091 E 98TH ST STE 150 INDIANAPOLIS, IN 46280 | LINCOLN NATIONAL INSURANCE COMPANY | $43K | $6K | $49K | 17.25% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 3091 E 98TH ST STE 150 INDIANAPOLIS, IN 46280 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $4K | $26K | 17.48% |
| WHARTON INSURANCE & FINANCIAL SERV3 Filed as: WHARTON INSURANCE & FINANCIAL SERV. | 3091 E 98TH ST STE 150 INDIANAPOLIS, IN 46280 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $2K | $18K | 17.07% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 3091 E 98TH ST STE 150 INDIANAPOLIS, IN 46280 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $2K | $13K | 17.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Other fees; Claims processing; Other services Service code 12 | 1351 WM HOWARD TAFT RD CINCINNATI, OH 452061721 | $1.8M |
| MILLIMAN, INC. SERVICE PROVIDER | Other services Service code 49 | 1120 SOUTH 101 STREET STE 4 OMAHA, NE 681241088 | $202K |
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 | 3,621 | 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) | 3,621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANY | 2,555 | $1.1M |
| Dental | DELTA DENTAL OF INDIANA | 4,527 | $1.1M |
| Vision | ANTHEM INSURANCE COMPANY | 2,555 | $1.1M |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,875 | $493K |
| Short-term disability(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,875 | $853K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 698 | $150K |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,404 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,527 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.