| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ICUL SERVICES CORPORATION3 | 5975 CASTLE CREEK PKWY N DRIVE SUITE 200 INDIANAPOLIS, IN 46250 | DELTA DENTAL OF INDIANA | $93K | — | $93K | 5.74% |
| ICUL SERVICES CORPORATION3 | 5975 CASTLE CREEK PARKWAY N DRIVE SUITE 200 INDIANAPOLIS, IN 46250 | VISION SERVICE PLAN | $35K | — | $35K | 10.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 TPA | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Claims processing; Other fees Service code 12 | — | $2.2M |
| ICUL SERVICES CORPORATION EIN 35-6065923 PLAN MANAGER | Consulting (general); Copying and duplicating; Accounting (including auditing); Direct payment from the plan; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $648K |
| LHD BENEFIT ADVISORS EIN 35-2150902 ADVISOR | Recordkeeping fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Account maintenance fees Service code 15 | — | $314K |
| ANTHEM BLUE CROSS/BLUE SHIELD EIN 35-0781558 EAP | Direct payment from the plan; Other services Service code 49 | — | $62K |
| INDIANA CREDIT UNION LEAGUE EIN 35-0408785 ADVOCACY | Consulting (general) Service code 16 | — | $56K |
| RSC INSURANCE BROKERAGE EIN 16-1689464 INSURANCE AGENT | Insurance services; Insurance agents and brokers Service code 22 | — | $41K |
| BOSE, MCKINNEY, & EVANS, LLP EIN 35-0957980 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $31K |
| INGENIORX, INC EIN 82-3062245 PHARMACY | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $25K |
| KENTUCKY CREDIT UNION LEAGUE EIN 61-0391408 ADVOCACY | Consulting (general) Service code 16 | — | $25K |
| BMI AUDIT SERVICES HOLDINGS, LLC EIN 38-4091484 CLAIMS AUDITOR | Other services Service code 49 | — | $24K |
| BRADY, WARE AND SCHOENFELD EIN 35-1476702 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $14K |
| INGARDUS, LLC EIN 27-5493391 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $9K |
| THE HOWARD E NYHART COMPANY, INC EIN 35-0966414 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $6K |
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 | 3,188 | 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) | 3,188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 5,100 | $1.6M |
| Vision(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 3,188 | $2.7M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 3,188 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,100 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.