| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONI RISK PARTNERS INC3 | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 46420 | PARAMOUNT DENTAL | $9K | $0 | $9K | 9.31% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 11 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | PARAMOUNT DENTAL | $636 | $0 | $636 | 0.69% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $838 | $838 | 1.92% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $658 | $658 | 1.83% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $537 | $537 | 1.90% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $347 | $347 | 1.82% |
| HEALTH RESOURCES COBRA3 Filed as: HEALTH RESOURCES, INC. | PO BOX 659 EVANSVILLE, IN 477040659 | EYEMED VISION CARE | $731 | $0 | $731 | 4.42% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $57 | $57 | 1.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $28K |
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $26K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $8K |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 292 | $92K |
| Vision | EYEMED VISION CARE | 241 | $17K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $19K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $36K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 97 | $44K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 144 | $529K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.