| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY INC. | 11686 MAPLE ST. FISHERS, IN 46038 | ANTHEM INSURANCE COMPANIES, INC. | $72K | $0 | $72K | 0.64% |
| R H CLARKSON FINANCIAL SERVICES INC3 Filed as: R H CLARKSON FINANCIAL SERVICES | P.O. BOX 70129 LOUISVILLE, KY 40270 | ANTHEM INSURANCE COMPANIES, INC. | $57K | $0 | $57K | 0.51% |
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY | 9795 CROSSPOINT BLV SUITE 170 INDIANAPOLIS, IN 46256 | ANTHEM INSURANCE COMPANIES, INC. | $46K | $0 | $46K | 0.41% |
| LOCASCIO HADDEN & DENNIS LLC3 | 10585 N. MERIDIAN ST., STE 275 INDIANAPOLIS, IN 46290 | ANTHEM INSURANCE COMPANIES, INC. | $36K | $0 | $36K | 0.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 200 W CYPRESS CREEK RD #500 FORT LAUDERDALE, FL 33309 | ANTHEM INSURANCE COMPANIES, INC. | $34K | $0 | $34K | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PLACE ITASCA, IL 60143 | ANTHEM INSURANCE COMPANIES, INC. | $29K | $0 | $29K | 0.26% |
| 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 | 0.21% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W. 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | ANTHEM INSURANCE COMPANIES, INC. | $19K | $0 | $19K | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD 8TH FLOOR ROLLING MEADOWS, IL 60008 | ANTHEM INSURANCE COMPANIES, INC. | $19K | $0 | $19K | 0.17% |
| ASSET SUPERHEROES3 | 525 E. CENTER STREET WARSAW, IN 46580 | ANTHEM INSURANCE COMPANIES, INC. | $15K | $0 | $15K | 0.13% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM INSURANCE COMPANIES, INC. | $15K | $0 | $15K | 0.13% |
| SYCAMORE INS ASSOC LLC3 | 4270 CART PATH TERRE HAUTE, IN 47802 | ANTHEM INSURANCE COMPANIES, INC. | $13K | $0 | $13K | 0.12% |
| SYCAMORE INS ASSOC LLC3 | 999 OHIO ST TERRE HAUTE, IN 47807 | ANTHEM INSURANCE COMPANIES, INC. | $10K | $11 | $10K | 0.09% |
| VAN-BAR INCORPORATED3 | 1 GLEN MILLER PARKWAY RICHMOND, IN 47374 | ANTHEM INSURANCE COMPANIES, INC. | $9K | $0 | $9K | 0.08% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | ANTHEM INSURANCE COMPANIES, INC. | $7K | $0 | $7K | 0.06% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4000 SMITH RD. STE 400 CINCINNATI, OH 45209 | ANTHEM INSURANCE COMPANIES, INC. | $6K | $0 | $6K | 0.05% |
| HR BENEFITS SERVICES, INC.3 Filed as: BENEFITS 7 INC. | 903 N. 7TH ST. VINCENNES, IN 47591 | ANTHEM INSURANCE COMPANIES, INC. | $5K | $0 | $5K | 0.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | ANTHEM INSURANCE COMPANIES, INC. | $4K | $0 | $4K | 0.03% |
| HR BENEFITS SERVICES, INC.3 Filed as: BENEFITS 7 INC. | 780 OLD WHEATLAND ROAD VINCENNES, IN 47591 | ANTHEM INSURANCE COMPANIES, INC. | $4K | $0 | $4K | 0.03% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | P.O. BOX 11407 KOKOMO, IN 46902 | ANTHEM INSURANCE COMPANIES, INC. | $4K | $0 | $4K | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1104 AMHERST ST. WINCHESTER, VA 22601 | ANTHEM INSURANCE COMPANIES, INC. | $3K | $0 | $3K | 0.03% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 915 MAIN STREET #500 EVANSVILLE, IN 47708 | ANTHEM INSURANCE COMPANIES, INC. | $3K | $0 | $3K | 0.03% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | P.O. BOX 3198 LITTLE ROCK, AR 72203 | ANTHEM INSURANCE COMPANIES, INC. | $2K | $0 | $2K | 0.02% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DRIVE SUITE A EVANSVILLE, IN 47715 | ANTHEM INSURANCE COMPANIES, INC. | $2K | $0 | $2K | 0.02% |
| RE SUTTON & ASSOCIATES3 Filed as: RE SUTTON & ASSOCIATES LLC | 67 E GARNER RD., STE 400 BROWNSBURG, IN 46112 | ANTHEM INSURANCE COMPANIES, INC. | $0 | $155 | $155 | 0.00% |
| ASSET SUPERHEROES3 | 525 E CENTER STREET WARSAW, IN 46580 | ANTHEM INSURANCE COMPANIES, INC. | $2K | $0 | $2K | 0.24% |
| VAN-BAR INCORPORATED3 Filed as: VAN-BAR INCOPORATED | 1 GLEN MILLER PARKWAY RICHMOND, IN 47374 | ANTHEM INSURANCE COMPANIES, INC. | $1K | $0 | $1K | 0.15% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 234662889 | PRINCIPAL LIFE INSURANCE COMPANY | $738 | $0 | $738 | 0.22% |
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY INC. | 9795 CROSSPOINT BLV SUITE 170 INDIANAPOLIS, IN 46256 | ANTHEM INSURANCE COMPANIES, INC. | $2K | $0 | $2K | 6.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPSTONE BENEFITS GROUP EIN 35-2260019 NONE | Plan Administrator; Consulting (pension); Direct payment from the plan Service code 14 | — | $1.3M |
| ORTHUS HEALTH EIN 26-1896258 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $300K |
| 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 | $114K |
| VITAL INCITE LLC EIN 82-3614359 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $109K |
| OGLETREE DEAKINS EIN 57-1044820 NONE | Direct payment from the plan; Legal Service code 29 | — | $51K |
| DONALDSON CAPITAL MANAGEMENT EIN 35-1937665 NONE | Securities brokerage; Investment management fees paid directly by plan; Investment management Service code 28 | — | $42K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $30K |
| INDIANA BANKERS ASSOCIATION EIN 35-0407470 NONE | Other fees; Direct payment from the plan Service code 50 | — | $20K |
| STRATEGIC HEALTH SERVICES EIN 26-1896258 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $0 |
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 | 4,113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 8,249 | $11.2M |
| Dental(2 contracts) | ANTHEM INSURANCE COMPANIES, INC. | 1,045 | $986K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 8,249 | $11.2M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,697 | $337K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,697 | $337K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,697 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,249 | — |
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.