| 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 | $100K | $18K | $117K | 18.82% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $97K | $17K | $114K | 23.42% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | LINCOLN NATIONAL INSURANCE COMPANY | $87K | $16K | $103K | 23.64% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $56K | $14K | $70K | 22.47% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $7K | $40K | 22.03% |
| WHARTON INSURANCE & FINANCIAL SERV3 Filed as: WHARTON INSURANCE & FINANCIAL SERV. | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $6K | $38K | 24.12% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $2K | $32K | 21.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 SERVICE PROVIDER | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $3.8M |
| MILLIMAN, INC. SERVICE PROVIDER | Other services Service code 49 | 1120 SOUTH 101 STREET STE 4 OMAHA, NE 681241088 | $259K |
| 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 | $140K |
| WHARTON INSURANCE & FINANCIAL SERVI | Insurance agents and brokers Service code 22 | — | $12K |
| WHARTON INSURANCE & FINANCIAL SERV AGENT/AGENCY | Insurance agents and brokers Service code 22 | 12735 MEETING HOUSE RD, STE 100 CARMEL, IN 46032 | $3K |
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 | 6,336 | 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) | 6,336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANY | 4,505 | $1.1M |
| Vision | ANTHEM INSURANCE COMPANY | 4,505 | $1.1M |
| Life insurance(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,109 | $932K |
| Short-term disability(5 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,109 | $1.6M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,537 | $313K |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,360 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,109 | — |
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.