| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD SUITE 200 CARMEL, IN 46032 | ANTHEM INSURANCE COMPANIES, INC. | $27K | $604 | $28K | 1.74% |
| AARON VANPELT INC3 Filed as: AARON VAN PELT, INC. | 11495 PENNSYLVANIA STREET SUITE 200 CARMEL, IN 46032 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.12% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD SUITE 200 CARMEL, IN 46032 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.11% |
| CARLY L KIERCE3 Filed as: CARLY L. KIERCE | 13932 WILMUTH DRIVE CARMEL, IN 46074 | AFLAC | $865 | $71 | $936 | 5.45% |
| JON J SCHAEFER3 Filed as: JON J. SCHAEFER | 7352 WEST BEYERS COURT NEW PALESTINE, IN 46163 | AFLAC | $414 | $14 | $428 | 2.49% |
| MATTHEW A COOK3 Filed as: MATTHEW A. COOK | 10069 BENT TREE LANE FISHERS, IN 46037 | AFLAC | $196 | $0 | $196 | 1.14% |
| RICK MCPHERSON3 | 6352 MARBURN DRIVE INDIANAPOLIS, IN 46227 | AFLAC | $129 | $14 | $143 | 0.83% |
| JASON A. NAVILLE & OTHERS3 | 5511 MOSER KNOB ROAD FLOYDS KNOBS, IN 47119 | AFLAC | $139 | $0 | $139 | 0.81% |
| ASHLEY LYNN SHAW3 | 1163 ESTANCIA WOODS LOOP WINDERMERE, FL 34786 | AFLAC | $65 | $0 | $65 | 0.38% |
| ROBERT JAMES TEDDER3 | 7670 NORTH 600 WEST MCCORDSVILLE, IN 46055 | AFLAC | $55 | $0 | $55 | 0.32% |
No Schedule C service providers reported on this filing.
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 210 | $1.6M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $152K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 210 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $152K |
| Short-term disability | AFLAC | 15 | $17K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $135K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 210 | $1.6M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.