| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF INDIANA LLC | 9247 NORTH MERIDIAN STREET SUITE 20 INDIANAPOLIS, IN 46260 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 5.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 2.69% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF INDIANA LLC | 10401 N MERIDIAN ST STE 300 INDIANAPOLIS, IN 46290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $40K | $10K | $51K | 14.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT ADMIN | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $1.0M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $87K |
| ASSURED NL INSURANCE AGENCY INC EIN 90-0927571 BROKER | Other commissions Service code 55 | — | $50K |
| LIGHTHOUSE TELEHEALTH LLC EIN 34-4434924 EAP ADMIN | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $10K |
| 98POINT6 EIN 47-3490194 TELEDOC | Contract Administrator; Claims processing Service code 12 | — | $8K |
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 | 601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 532 | $408K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 532 | $408K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 601 | $360K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 601 | $360K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 601 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.