| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER HEALTH & BENEFITS, INC. | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF INDIANA | $14K | — | $14K | 1.00% |
| CONNER HEALTH AND BENEFITS INC.3 | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $100K | $3K | $102K | 15.38% |
| RONALD KLEIMAN3 | 4522 RFD LONG GROVE, IL 60047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $87K | — | $87K | 19.49% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER HEALTH AND BENEFITS INC | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 6.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 35371 NETWORK PL CHICAGO, IL 606731353 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 2.13% |
| RONALD M KLEIMAN3 | 4522 RFD LONG GROVE, IL 60047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $117K | — | $117K | 29.53% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER HEALTH & BENEFITS INC. | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $10K | $36K | 9.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS-INNOTECH | 233 SOUTH WACKER SUITE 1875 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 3.38% |
| RONALD M KLEIMAN3 | 4522 RFD LONG GROVE, IL 60047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $89K | — | $89K | 24.36% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER HEALTH & BENEFITS INC. | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $9K | $27K | 7.54% |
| INNOTECH3 | 233 SOUTH WACKER SUITE 1875 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 1.96% |
| CONNER HEALTH AND BENEFITS INC.3 | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $751 | $33K | 15.35% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER BENEFITS INC. | 8445 KEYSTONE CROSSING BOULEVARD SUITE 200 INDIANAPOLIS, IN 46240 | HM LIFE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| CONNER HEALTH AND BENEFITS INC.3 | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $885 | $17K | 10.56% |
| CONNER HEALTH AND BENEFITS INC.3 | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $608 | $14K | 10.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $907K |
| CONNER BENEFITS EIN 35-1673008 NONE | Other commissions Service code 55 | — | $320K |
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 | 3,978 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,005 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 6,394 | $1.4M |
| Vision | HM LIFE INSURANCE COMPANY | 3,808 | $194K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,935 | $798K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,406 | $665K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 441 | $158K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 3,968 | $2.7M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,352 | $976K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,935 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.