| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHARTON INSURANCE & FINANCIAL SERV3 | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | ANTHEM INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| WHARTON INSURANCE & FINANCIAL SERV3 Filed as: WHARTON INSURANCE & FINANCIAL SERV. | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | $14K | $77K | 18.37% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | $13K | $65K | 18.76% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | LINCOLN NATIONAL INSURANCE COMPANY | $47K | $10K | $57K | 18.33% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $9K | $46K | 22.39% |
| WHARTON INSURANCE & FINANCIAL SERV3 Filed as: WHARTON INSURANCE & FINANCIAL SERV. | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $5K | $27K | 21.99% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $6K | $22K | 24.15% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $486 | $4K | 20.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 SERVICE PROVIDER | Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Float revenue Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $2.3M |
| MILLIMAN, INC. SERVICE PROVIDER | Other services Service code 49 | 1120 SOUTH 101 STREET STE 4 OMAHA, NE 681241088 | $213K |
| DELTA DENTAL OF INDIANA EIN 35-1545647 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 225 S. EAST STREET, SUITE 358 INDIANAPOLIS, IN 46202 | $107K |
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 | 4,042 | 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) | 4,042 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANY | 2,935 | $1.1M |
| Vision | ANTHEM INSURANCE COMPANY | 2,935 | $1.1M |
| Life insurance(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,101 | $560K |
| Short-term disability(5 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,101 | $963K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 997 | $204K |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,565 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,101 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.