| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 10401 NORTH MERIDIAN STREET SUITE 300 INDIANAPOLIS, IN 46290 | SYMETRA LIFE INSURANCE COMPANY | — | $5K | $5K | 2.03% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS ON INDIANA LLC | 9247 NORTH MERIDIAN STREET SUITE 200 INDIANAPOLIS, IN 46260 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 5.39% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF INDIANA LLC | 10401 NORTH MERIDIAN STREET SUITE 300 INDIANAPOLIS, IN 46290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.21% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $546 | — | $546 | 0.79% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF INDIANA LLC | 10401 NORTH MERIDIAN STREET SUITE 300 INDIANAPOLIS, IN 46290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.85% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY, INC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.15% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF INDIANA LLC | 10401 NORTH MERIDIAN STREET SUITE 300 INDIANAPOLIS, IN 46290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.44% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $332 | — | $332 | 1.55% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF INDIANA LLC | 10401 NORTH MERIDIAN STREET SUITE 300 INDIANAPOLIS, IN 46290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 84.90% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.10% |
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 | 669 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 675 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 579 | $196K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 579 | $196K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 669 | $117K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 434 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $21K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 514 | $228K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 751 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.