| 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. | $124K | $0 | $124K | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ANTHEM INSURANCE COMPANIES, INC. | $57K | $0 | $57K | 0.45% |
| R H CLARKSON FINANCIAL SERVICES INC3 Filed as: R H CLARKSON FINANCIAL SERVICES | P.O. BOX 70129 LOUISVILLE, KY 40270 | ANTHEM INSURANCE COMPANIES, INC. | $46K | $0 | $46K | 0.37% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE SUITE 1926 CHICAGO, IL 60675 | ANTHEM INSURANCE COMPANIES, INC. | $45K | $0 | $45K | 0.36% |
| SYCAMORE INS ASSOC LLC3 | 999 OHIO ST TERRE HAUTE, IN 47807 | ANTHEM INSURANCE COMPANIES, INC. | $28K | $6 | $28K | 0.22% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | P.O. BOX 11407 BIRMINGHAM, AL 35246 | ANTHEM INSURANCE COMPANIES, INC. | $28K | $0 | $28K | 0.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | ANTHEM INSURANCE COMPANIES, INC. | $23K | $0 | $23K | 0.18% |
| ASSET SUPERHEROES3 | 525 E. CENTER STREET WARSAW, IN 46580 | ANTHEM INSURANCE COMPANIES, INC. | $18K | $0 | $18K | 0.14% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM INSURANCE COMPANIES, INC. | $17K | $0 | $17K | 0.13% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W. 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | ANTHEM INSURANCE COMPANIES, INC. | $14K | $4 | $14K | 0.11% |
| HR BENEFITS SERVICES, INC.3 Filed as: BENEFITS 7 INC. | 780 OLD WHEATLAND ROAD VINCENNES, IN 47591 | ANTHEM INSURANCE COMPANIES, INC. | $13K | $0 | $13K | 0.10% |
| VAN-BAR INCORPORATED3 | 1 GLEN MILLER PARKWAY RICHMOND, IN 47374 | ANTHEM INSURANCE COMPANIES, INC. | $11K | $0 | $11K | 0.09% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DRIVE SUITE A EVANSVILLE, IN 47715 | ANTHEM INSURANCE COMPANIES, INC. | $4K | $0 | $4K | 0.03% |
| HENRIOTT GROUP INC3 | 250 MAIN ST STE 650 LAFAYETTE, IN 47901 | ANTHEM INSURANCE COMPANIES, INC. | $1K | $0 | $1K | 0.01% |
| RE SUTTON & ASSOCIATES3 Filed as: RE SUTTON & ASSOCIATES LLC | 67 E GARNER RD., STE 400 BROWNSBURG, IN 46112 | ANTHEM INSURANCE COMPANIES, INC. | $0 | $115 | $115 | 0.00% |
| ASSET SUPERHEROES3 | 525 E CENTER STREET WARSAW, IN 46580 | ANTHEM INSURANCE COMPANIES, INC. | $2K | — | $2K | 0.23% |
| VAN-BAR INCORPORATED3 Filed as: VAN-BAR INCOPORATED | 1 GLEN MILLER PARKWAY RICHMOND, IN 47374 | ANTHEM INSURANCE COMPANIES, INC. | $606 | — | $606 | 0.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 450 E 96TH STREET SUITE 275 INDIANAPOLIS, IN 462403797 | PRINCIPAL LIFE INSURANCE COMPANY | $731 | — | $731 | 0.26% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 234662889 | PRINCIPAL LIFE INSURANCE COMPANY | $384 | — | $384 | 0.14% |
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY INC. | 9795 CROSSPOINT BLV SUITE 170 INDIANAPOLIS, IN 46256 | ANTHEM INSURANCE COMPANIES, INC. | $2K | $0 | $2K | 5.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPSTONE BENEFITS GROUP EIN 35-2260019 NONE | Consulting (pension); Plan Administrator; Direct payment from the plan Service code 14 | — | $1.2M |
| ORTHUS HEALTH EIN 26-1896258 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $209K |
| OGLETREE DEAKINS EIN 57-1044820 NONE | Direct payment from the plan; Legal Service code 29 | — | $110K |
| STRATEGIC HEALTH SERVICES EIN 26-1896258 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $80K |
| BRAVO WELLNESS LLC EIN 61-1739182 NONE | Contract Administrator; Direct payment from the plan Service code 13 | ONE INTERNATIONAL PLACE 20445 EMERALD PKWY DR. SW STE 400 CLEVELAND, OH 44135 | $69K |
| DONALDSON CAPITAL MANAGEMENT EIN 35-1937665 NONE | Investment management; Investment management fees paid directly by plan; Securities brokerage Service code 28 | — | $43K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $28K |
| INDIANA BANKERS ASSOCIATION EIN 35-0407470 NONE | Direct payment from the plan; Other fees Service code 50 | — | $18K |
| VITAL INCITE LLC EIN 82-3614359 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $17K |
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 | 3,778 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 85 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 7,680 | $12.7M |
| Dental(2 contracts) | ANTHEM INSURANCE COMPANIES, INC. | 1,126 | $953K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 7,680 | $12.7M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 2,008 | $283K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,008 | $283K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,008 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,680 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.