| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: BENEFITS 7 INC | 780 OLD WHEATLAND ROAD VINCENNES, IN 47591 | ANTHEM INSURANCE COMPANIES, INC. | $0 | $297 | $297 | 0.00% |
| REGIONS INSURANCE INC3 | 2701 ALBRIGHT RD KOKOMO, IN 46902 | ANTHEM INSURANCE COMPANIES, INC. | $98 | $54 | $152 | 0.00% |
| VAN-BAR INCORPORATED3 | I GLEN MILLER PARKWAY RICHMOND, IN 47374 | ANTHEM INSURANCE COMPANIES, INC. | $116 | — | $116 | 0.00% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE AGEN | 2305 RIVER RD LOUISVILLE, KY 40206 | ANTHEM INSURANCE COMPANIES, INC. | $33 | — | $33 | 0.00% |
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY | 9795 CROSSPOINT BLV STE 170 INDIANAPOLIS, IN 46256 | ANTHEM INSURANCE COMPANIES, INC. | $30 | — | $30 | 0.00% |
| HENRIOTT GROUP INC3 | 250 MAIN ST STE 650 LAFAYETTE, IN 47901 | ANTHEM INSURANCE COMPANIES, INC. | $0 | $17 | $17 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 450 E 96TH STREET SUITE 275 INDIANAPOLIS, IN 462403797 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF INDIANA LLC | — | ANTHEM INSURANCE COMPANIES, INC. | $1K | — | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPSTONE BENEFITS GROUP EIN 35-2260019 NONE | Consulting (pension); Plan Administrator; Direct payment from the plan Service code 14 | — | $1.1M |
| STRATEGIC HEALTH SERVICES EIN 26-1896258 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $272K |
| OGLETREE DEAKINS EIN 57-1044820 NONE | Direct payment from the plan; Legal Service code 29 | — | $136K |
| INCENTISOFT NONE | Contract Administrator; Direct payment from the plan Service code 13 | 20445 EMERALD PKWY DR. SW CLEVELAND, OH 44135 | $110K |
| DONALDSON CAPITAL MANAGEMENT EIN 35-1937665 NONE | Investment management; Investment management fees paid directly by plan; Securities brokerage Service code 28 | — | $76K |
| L.M. HENDERSON & COMPANY, LLP EIN 20-5520612 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $26K |
| INDIANA BANKERS ASSOCIATION EIN 35-0407470 NONE | Direct payment from the plan; Other fees Service code 50 | — | $15K |
| PAGANELLI LAW GROUP NONE | Legal; Direct payment from the plan Service code 29 | 10401 N MERIDIAN ST #450 INDIANAPOLIS, IN 46290 | $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 | 3,408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 96 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 3,464 | $39.3M |
| Dental(2 contracts) | ANTHEM INSURANCE COMPANIES, INC. | 1,028 | $1.1M |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 3,464 | $39.3M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 2,178 | $266K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,178 | $266K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,178 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,464 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.