| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 300 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46204 | ANTHEM BLUE CROSS BLUE SHIELD | $89K | $0 | $89K | 2.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P O BOX 203417 DALLAS, TX 75320 | ANTHEM BLUE CROSS BLUE SHIELD | $0 | $8K | $8K | 0.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6100 FAIRVIEW ROAD 10TH FLOOR CHARLOTTE, NC 25221 | ANTHEM BLUE CROSS BLUE SHIELD | $7K | $0 | $7K | 0.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 203508 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 11.20% |
| MICHAEL C CARTER3 | 6651 NORTH GRAY ROAD MOORESVILLE, IN 46158 | AFLAC | $10K | $404 | $11K | 9.96% |
| RITA J ABRAM3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $4K | $135 | $4K | 3.54% |
| ROBERT W BURGETT3 | 1701 WEST 18TH STREET SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $2K | $135 | $2K | 2.31% |
| ERIC DEANE3 Filed as: ERIC DEANE AND OTHER AGENTS | 7732 BOLERO DRIVE CAMBY, IN 46113 | AFLAC | $2K | $0 | $2K | 2.12% |
| JUSTIN D. BARGER3 Filed as: JUSTIN D BARGER | 413 WEST BLACKFOOT DRIVE ELLETTSVILLE, IN 47429 | AFLAC | $927 | $157 | $1K | 1.01% |
| PHYLLIS A BEX3 | 118 STONEBROOK DRIVE GREENWOOD, IN 46142 | AFLAC | $521 | $0 | $521 | 0.49% |
| GERALD J GRABLE3 | 30 VALLEY BLUFF LANE SIMPSONVILLE, SC 29680 | AFLAC | $407 | $0 | $407 | 0.38% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS BLUE SHIELD | 530 | $3.2M |
| Dental | ANTHEM BLUE CROSS BLUE SHIELD | 530 | $3.2M |
| Vision | ANTHEM BLUE CROSS BLUE SHIELD | 530 | $3.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 288 | $184K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 288 | $184K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 288 | $184K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 288 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.
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.
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.