| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY | 9795 CROSSPOINT BLV SUITE 170 INDIANOPOLIS, IN 46256 | ANTHEM INSURANCE COMPANIES, INC. | $131K | $0 | $131K | 0.33% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANIES, INC. | $62K | $0 | $62K | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. | 650 E. CARMEL DRIVE SUITE 400 CARMEL, IN 46032 | ANTHEM INSURANCE COMPANIES, INC. | $54K | $0 | $54K | 0.14% |
| R H CLARKSON FINANCIAL SERVICES INC3 Filed as: R H CLARKSON INSURANCE GROUP | 401 WEST MAIN STREET SUITE 1500 LOUISVILLE, KY 40202 | ANTHEM INSURANCE COMPANIES, INC. | $39K | $0 | $39K | 0.10% |
| JERRY CLEVENGER INS INC3 | 525 E. CENTER STREET WARSAW, IN 46580 | ANTHEM INSURANCE COMPANIES, INC. | $16K | $0 | $16K | 0.04% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM INSURANCE COMPANIES, INC. | $15K | $0 | $15K | 0.04% |
| HR BENEFITS SERVICES, INC.3 Filed as: BENEFITS 7 INC. | 780 OLD WHEATLAND ROAD VINCENNES, IN 47591 | ANTHEM INSURANCE COMPANIES, INC. | $10K | $0 | $10K | 0.03% |
| VAN-BAR INCORPORATED3 | 1 GLEN MILLER PARKWAY RICHMOND, IN 47374 | ANTHEM INSURANCE COMPANIES, INC. | $8K | $0 | $8K | 0.02% |
| HENRIOTT GROUP INC3 | 250 MAIN ST STE 650 LAFAYETTE, IN 47901 | ANTHEM INSURANCE COMPANIES, INC. | $4K | $0 | $4K | 0.01% |
| JBC & ASSOCIATES3 | 1603 N. DETROIT STREET WARSAW, IN 46580 | ANTHEM INSURANCE COMPANIES, INC. | $1K | $0 | $1K | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 450 E 96TH STREET SUITE 275 INDIANAPOLIS, IN 462403797 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF INDIANA LLC | — | ANTHEM INSURANCE COMPANIES, INC. | $1K | $0 | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPSTONE BENEFITS GROUP EIN 35-2260019 NONE | Plan Administrator; Consulting (pension); Direct payment from the plan Service code 14 | — | $1.1M |
| STRATEGIC HEALTH SERVICES EIN 26-1896258 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $265K |
| INCENTISOFT NONE | Contract Administrator; Direct payment from the plan Service code 13 | 20445 EMERALD PKWY DR. SW CLEVELAND, OH 44135 | $109K |
| OGLETREE DEAKINS EIN 57-1044820 NONE | Direct payment from the plan; Legal Service code 29 | — | $101K |
| DONALDSON CAPITAL MANAGEMENT EIN 35-1937665 NONE | Investment management; Securities brokerage; Investment management fees paid directly by plan Service code 28 | — | $52K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $33K |
| INDIANA BANKERS ASSOCIATION EIN 35-0407470 NONE | Other fees; Direct payment from the plan Service code 50 | — | $16K |
| PAGANELLI LAW GROUP NONE | Legal; Direct payment from the plan Service code 29 | 10401 N MERIDIAN ST #450 INDIANAPOLIS, IN 46290 | $13K |
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 | 3,455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 94 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 967 | $39.5M |
| Dental(2 contracts) | ANTHEM INSURANCE COMPANIES, INC. | 951 | $823K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 967 | $39.5M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,996 | $229K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,996 | $229K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,996 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,996 | — |
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.
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.