| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | ANTHEM INSURANCE COMPANIES, INC. | $137K | — | $137K | 1.45% |
| ABC BENEFITS GROUP LLC3 | 5001 SHADELAND AVE INDIANAPOLIS, IN 46226 | ANTHEM INSURANCE COMPANIES, INC. | $57K | — | $57K | 0.61% |
| STEWART BRIMNER PETERS & DONAVAN IN3 | 3702 RUPP DRIVE FORT WAYNE, IN 46815 | ANTHEM INSURANCE COMPANIES, INC. | $9K | — | $9K | 0.10% |
| JACKSON HEALTH ADVISORS, LLC3 Filed as: JACKSON HEALTH ADVISORS LLC | 4208 SUNSHINE AVENUE INDIANAPOLIS, IN 46228 | ANTHEM INSURANCE COMPANIES, INC. | $9K | — | $9K | 0.09% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM INSURANCE COMPANIES, INC. | $8K | — | $8K | 0.09% |
| MAYFIELD INSURANCE INC3 | 50 S. MADISON ST MOORESVILLE, IN 46158 | ANTHEM INSURANCE COMPANIES, INC. | $5K | — | $5K | 0.05% |
| GERMAN AMERICAN INSURANCE, INC.3 Filed as: GERMAN AMERICAN INSURANCE INC | PO BOX 1008 JASPER, IN 47547 | ANTHEM INSURANCE COMPANIES, INC. | $5K | — | $5K | 0.05% |
| FINNEY, MAUREEN3 | 100 OLD WILSON DRIDGE RD, STE 214 WORTHINGTON, OH 43085 | ANTHEM INSURANCE COMPANIES, INC. | $4K | — | $4K | 0.04% |
| MCNEELY, STEPHEN3 | 205 MARIANNA DRIVE AUBURNDALE, FL 33923 | ANTHEM INSURANCE COMPANIES, INC. | $3K | — | $3K | 0.03% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY BENEFITS INC | 558 FOX LANE CARMEL, IN 46032 | ANTHEM INSURANCE COMPANIES, INC. | $3K | — | $3K | 0.03% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY BENEFITS INC | 558 FOX LANE CARMEL, IN 46032 | ANTHEM INSURANCE COMPANIES, INC. | $3K | — | $3K | 0.03% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | 202 S MICHIGAN ST. SUITE 1400 SOUTH BEND, IN 46601 | ANTHEM INSURANCE COMPANIES, INC. | $3K | — | $3K | 0.03% |
| SYCAMORE INSURANCE ASSOCIATES, LLC3 Filed as: SYCAMORE INC ASSOC LLC | 999 OHIO STREET TERRE HAUTE, IN 47807 | ANTHEM INSURANCE COMPANIES, INC. | $2K | — | $2K | 0.03% |
| ONI RISK PARTNERS INC3 | PO BOX 80159 INDIANAPOLIS, IN 46280 | ANTHEM INSURANCE COMPANIES, INC. | $2K | — | $2K | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD. SUITE 202 WAUKESHA, WI 53188 | ANTHEM INSURANCE COMPANIES, INC. | $2K | — | $2K | 0.02% |
| WHARTON INSURANCE & FINANCIAL SERV3 | 12735 MEETING HOUSE ROAD SUITE 100 CARMEL, IN 46032 | ANTHEM INSURANCE COMPANIES, INC. | $2K | — | $2K | 0.02% |
| CAPSTONE BENEFIT GROUP INC3 | 6110 TECHNOLOGY CENTER DR. STE. 500 INDIANAPOLIS, IN 462786016 | ANTHEM INSURANCE COMPANIES, INC. | $1K | — | $1K | 0.01% |
| CIC 2 INC3 | 8395 KEYSTONE CROSSING 315 INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANIES, INC. | $1K | — | $1K | 0.01% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 205 N LAKE STREET WARSAW, IN 46580 | ANTHEM INSURANCE COMPANIES, INC. | $714 | — | $714 | 0.01% |
| RL JONES INSURANCE GROUP LLC3 | 20236 HAGUE RD NOBLESVILLE, IN 46062 | ANTHEM INSURANCE COMPANIES, INC. | $300 | — | $300 | 0.00% |
| GENERAL INSURANCE SERVICES INC.3 Filed as: GENERAL INSURANCE SERVICES INC | 421 FRANKLIN STREET MICHICAN CITY, IN 46360 | ANTHEM INSURANCE COMPANIES, INC. | $252 | — | $252 | 0.00% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 460326661 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $82 | $32K | 14.31% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 6.45% |
| CAPSTONE BENEFIT GROUP INC5 | 6110 TECHNOLOGY CENTER DR. STE. 500 INDIANAPOLIS, IN 462786016 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 3.87% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.26% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 460326661 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | — |
| CAPSTONE BENEFIT GROUP INC5 | 6110 TECHNOLOGY CENTER DR. STE. 500 INDIANAPOLIS, IN 462786016 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19 | $19 | — |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 460326661 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | — |
| CAPSTONE BENEFIT GROUP INC5 | 6110 TECHNOLOGY CENTER DR. STE. 500 INDIANAPOLIS, IN 462786016 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19 | $19 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPSTONE ADMINISTRATORS LLC EIN 35-2260019 NONE | Direct payment from the plan; Plan Administrator Service code 14 | 6110 TECHNOLOGY CENTER DR INDIANAPOLIS, IN 46278 | $140K |
| SHEPHERD INSURANCE EIN 45-3540375 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | $22K |
| ASSOCIATED BUILDERS AND CONTRACTORS EIN 23-7298705 NONE | Direct payment from the plan; Other services Service code 49 | 5001 N SHADELAND AVENUE INDIANAPOLIS, IN 46226 | $22K |
| L.M. HENDERSON & COMPANY, LLP EIN 20-5520612 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 450 E 96TH STREET STE 200 INDIANAPOLIS, IN 46240 | $14K |
| STOCK YARDS BANK & TRUST COMPANY EIN 61-0354170 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | 1040 EAST MAIN STREET LOUISVILLE, KY 40206 | $6K |
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 | 695 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 1,402 | $9.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,281 | $222K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,281 | $222K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,281 | $222K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,281 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,402 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.