| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER HEALTH AND BENEFITS, INC. | 8445 KEYSTONE XING, SUITE 200 INDIANAPOLIS, IN 46240 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $0 | $16K | 3.40% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER HEALTH AND BENEFITS, INC. | 8445 KEYSTONE XING, SUITE 200 INDIANAPOLIS, IN 46240 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $8K | 14.40% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP, LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.79% |
| ONBOARD BENEFIT SLTN, LLC3 | 2331 EAST 600 NORTH, SUITE 104 GREENFIELD, IN 46140 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $440 | $440 | 0.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 20 LOBLOLLY COURT MANDEVILLE, LA 70448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $323 | $34 | $357 | 9.15% |
| GROUP VOLUNTARY BENEFITS LLC3 Filed as: GROUP VOLUNTARY BENEFITS, LLC | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $51 | $177 | 4.54% |
| REBECCA N SONGY3 Filed as: REBECCA N. SONGY | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $33 | $67 | 1.72% |
| R&W SOLUTIONS LLC3 Filed as: R&W SOLUTIONS, LLC | 23695 MONARCH PT SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $1 | $29 | 0.74% |
| JACOB MICHEL ETCHEVERRIA3 | 1058 BURKE ROAD BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.03% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 21 | $482K |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $53K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $53K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $53K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $53K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $53K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.