| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: JFMGP INC DBA PROFESSIONAL INSURANC | — | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC | $37K | — | $37K | 2.94% |
| PROFESSIONAL INS ENROLLERS LLC3 | 54369 30TH STREET SOUTH BEND, IN 46635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.56% |
| PROFESSIONAL INS ENROLLERS LLC3 | 54369 30TH STREET SOUTH BEND, IN 46635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.57% |
| PROFESSIONAL INSURANCE ENROLLERS3 Filed as: PROFESSIONAL INSURANCE ENROLLERS LL | 10418 PRETTY LAKE TRAIL PLYMOUTH, IN 46563 | PARAMOUNT DENTAL | $3K | — | $3K | 10.00% |
| PROFESSIONAL INS ENROLLERS LLC3 | 54369 30TH STREET SOUTH BEND, IN 46635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.81% |
| PROFESSIONAL INSURANCE ENROLLERS3 Filed as: PROFESSIONAL INSURANCE ENROLLERS LL | 10418 PRETTY LAKE TRAIL PLYMOUTH, IN 46563 | PARAMOUNT DENTAL | $2K | — | $2K | 10.00% |
| PROFESSIONAL INSURANCE ENROLLERS3 | 10418 PRETTY LAKE TRAIL PLYMOUTH, IN 46563 | VISION SERVICE PLAN | $1K | — | $1K | 5.68% |
| PROFESSIONAL INSURANCE ENROLLERS3 Filed as: PROFESSIONAL INSURANCE ENROLLERS LL | 10418 PRETTY LAKE TRAIL PLYMOUTH, IN 46563 | PARAMOUNT DENTAL | $2K | — | $2K | 10.00% |
| PROFESSIONAL INS ENROLLERS LLC3 | 54369 30TH STREET SOUTH BEND, IN 46635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $462 | $2K | 19.57% |
| PROFESSIONAL INS ENROLLERS LLC3 | 54369 30TH STREET SOUTH BEND, IN 46635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $55 | $1K | 20.80% |
| PROFESSIONAL INS ENROLLERS LLC3 | 54369 30TH STREET SOUTH BEND, IN 46635 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $53 | $1K | 20.83% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER GLAUB | — | ASSURITY LIFE INSURANCE COMPANY | $946 | — | $946 | 16.82% |
| PROFESSIONAL INSURANCE ENROLLERS3 Filed as: PROFESSIONAL INSURANCE ENROLLERS, L | — | ASSURITY LIFE INSURANCE COMPANY | $92 | — | $92 | 1.64% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC | 206 | $1.3M |
| Dental(3 contracts) | PARAMOUNT DENTAL | 57 | $68K |
| Vision | VISION SERVICE PLAN | 157 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $32K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.