| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP S SUITE 1600 HOUSTON, TX 770273295 | METROPOLITAN LIFE INSURANCE COMPANY | — | $54 | $54 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF INDIANA LLC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NETWORK PHARMACY | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Other fees; Claims processing; Float revenue Service code 12 | — | $2.2M |
| DELTA DENTAL OF INDIANA EIN 35-1545647 BENEFIT ADMIN | Contract Administrator; Claims processing Service code 12 | — | $99K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 INSURANCE PROVIDER | Claims processing; Contract Administrator Service code 12 | — | $90K |
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 | 2,566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 826 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 2,542 | $0 |
| Dental(2 contracts) | DELTA DENTAL OF INDIANA | 175 | $70K |
| Vision | VISION SERVICE PLAN | 2,001 | $499K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,167 | $3.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,167 | $3.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,167 | $3.5M |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 2,542 | $602K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,932 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,932 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.