| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM INSURANCE COMPANIES, INC. | $68K | $0 | $68K | 2.53% |
| TONY A BYRD3 Filed as: THE TONY A BYRD AGENCY INC | 1010 COIN LANE FRANKFORT, IN 46041 | ANTHEM INSURANCE COMPANIES, INC. | $4K | $0 | $4K | 0.14% |
| MARK RITCHIE3 | 1127 EAST SEMINOLE AVENUE 21-C JUPITER, FL 33477 | ANTHEM INSURANCE COMPANIES, INC. | $2K | $0 | $2K | 0.09% |
| MCGOWAN BENEFIT GROUP LLC3 | 1220 BROAD STREET, PO BOX 506 NEW CASTLE, IN 47362 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | $7K | $44K | 17.57% |
| STEELE INSURANCE AND FINANCIAL SVCS3 Filed as: STEELE INSURANCE & FINANCIAL | 11 MONTIF BOULEVARD BROWNSBURG, IN 46122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 9.53% |
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 | 387 | 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) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 381 | $2.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 387 | $253K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 387 | $253K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 387 | $253K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 387 | $253K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 387 | $253K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 387 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.
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.