| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD #100 CARMEL, IN 46032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 0.49% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD, STE 10 CARMEL, IN 460325638 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $770 | $11K | 10.75% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD, STE 10 CARMEL, IN 460325638 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $505 | $11K | 15.75% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD, STE 10 CARMEL, IN 460325638 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $339 | $5K | 10.75% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD, STE 10 CARMEL, IN 460325638 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $129 | $2K | 10.74% |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 768 | $1.5M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $120K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 87 | $67K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 768 | $1.5M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 768 | $1.5M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 768 | — |
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.