| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHARTON INSURANCE & FINANCIAL SERV3 Filed as: WHARTON INSURANCE & FINANCIAL SERV. | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $502K | $28K | $531K | 11.90% |
| WHARTON INSURANCE & FINANCIAL SERV3 Filed as: WHARTON INSURANCE & FINANCIAL SERV. | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $157K | $0 | $157K | 3.52% |
| PHRI LLC3 | 35 PARKWOOD DR. HOPKINTON, MA 01748 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $63K | $63K | 1.41% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N. 40TH ST., STE 234 PHOENIX, AZ 85018 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 0.87% |
| WHARTON INSURANCE & FINANCIAL SERV3 Filed as: WHARTON INSURANCE & FINANCIAL | 12535 PEMBROOKE CIRCLE CARMEL, IA 46032 | UNITED HEALTHCARE INSURANCE COMPANY | $196 | $0 | $196 | 0.01% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $2K | $42K | 13.06% |
| WHARTON BENEFITS INC3 Filed as: WHARTON INSURANCE | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 4.11% |
| PHRI LLC3 | 35 PARKWOOD DR. HOPKINTON, MA 01748 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.64% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $2K | $38K | 16.68% |
| WHARTON BENEFITS INC3 Filed as: WHARTON INSURANCE | 12735 MEETING HOUSE RD CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.99% |
| PHRI LLC3 | 35 PARKWOOD DR. HOPLINTON, MA 01748 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.60% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $922 | $21K | 16.64% |
| WHARTON BENEFITS INC3 Filed as: WHARTON INSURANCE | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.98% |
| PHRI LLC3 | 35 PARKWOOD DR. HOPKINTON, MA 01748 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.59% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 12735 MEETING HOUSE RD #100 CARMEL, IN 46032 | METROPOLITAN GENERAL INSURANCE PLAN | $14K | $0 | $14K | 14.24% |
| WHARTON INSURANCE & FINANCIAL SERV3 Filed as: WHARTON INS & FINANCIAL SERVICES | 3091 E. 98TH ST. SUITE 100 INDIANAPOLIS, IN 46280 | METROPOLITAN GENERAL INSURANCE PLAN | $1K | $0 | $1K | 1.09% |
| HEALTH AND HUMAN RESOURCE CENTER3 | 151 FARMINGTON AVE RSAA HARTFORD, CA 06156 | HEALTH AND HUMAN RESOURCE CENTER | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 SERVICE PROVIDER | Float revenue; Other services; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $7.5M |
| MILLIMAN, INC. SERVICE PROVIDER | Other services Service code 49 | 1120 SOUTH 101 STREET STE 4 OMAHA, NE 681241088 | $368K |
| DELTA DENTAL OF INDIANA EIN 35-1545647 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 225 S. EAST STREET, SUITE 358 INDIANAPOLIS, IN 46202 | $215K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 33-0052273 PLAN ADMIN | Plan Administrator Service code 14 | 151 FARMINGTON AVE RSAA HARTFORD, CT 06156 | $86K |
| HEALTH AND HUMAN RESOURCE CENTER EIN 33-0052273 PLAN ADMIN | Plan Administrator Service code 14 | 151 FARMINGTON AVE RSAA HARTFORD, CT 06156 | $202 |
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 | 9,716 | 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) | 9,716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,039 | $2.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 14,748 | $4.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 14,748 | $4.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 14,748 | $4.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,748 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,748 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.