| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER HEALTH AND BENEFITS INC.3 | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $113K | $8K | $120K | 16.00% |
| RONALD KLEIMAN3 | 4225 RFD LONG GROVE, IL 60047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $80K | $0 | $80K | 18.02% |
| CONNOR HEALTH AND BENEFITS3 Filed as: CONNOR HEALTH AND BEN INC. | 8445 KEYSTONE XING #200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $0 | $29K | 6.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | 35371 NETWORK PL CHICAGO, IL 606731353 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.52% |
| RONALD M KLEIMAN3 | 4522 RFD LONG GROVE, IL 60047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $65K | $0 | $65K | 15.67% |
| 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 | $13K | $8K | $21K | 5.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 61673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.55% |
| RONALD M KLEIMAN3 | 4522 RFD LONG GROVE, IL 60047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $65K | $0 | $65K | 15.94% |
| 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 | $14K | $8K | $22K | 5.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 61673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.28% |
| CONNER HEALTH AND BENEFITS INC.3 | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | $6K | $54K | 16.77% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER BENEFITS INC. | 8445 KEYSTONE CROSSING BOULEVARD SUITE 200 INDIANAPOLIS, IN 46240 | DAVISVISION | $6K | $0 | $6K | 2.00% |
| CONNER HEALTH AND BENEFITS INC.3 | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $4K | $21K | 11.98% |
| CONNER HEALTH AND BENEFITS INC.3 | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $3K | $19K | 11.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $1.5M |
| CONNER HEALTH AND BENEFITS, INC. EIN 47-2310802 NONE | Other commissions Service code 55 | — | $286K |
| DISCOVERY BENEFITS EIN 90-0058554 NONE | Claims processing Service code 12 | — | $46K |
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 | 7,461 | 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) | 7,461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 3,973 | $1.4M |
| Vision | DAVISVISION | 5,798 | $317K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,461 | $922K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,406 | $750K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 435 | $179K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 6,108 | $3.2M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,605 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,461 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.