| 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 | $100K | — | $100K | 5.99% |
| ICUL SERVICES CORPORATION3 | 5975 CASTLE CREEK PARKWAY N DRIVE SUITE 200 INDIANAPOLIS, IN 46250 | VISION SERVICE PLAN | $40K | — | $40K | 10.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 TPA | Other fees; Other services; Float revenue; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $2.6M |
| ICUL SERVICES CORPORATION EIN 35-6065923 PLAN MANAGER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan; Accounting (including auditing); Participant communication; Copying and duplicating Service code 10 | — | $839K |
| LHD BENEFIT ADVISORS EIN 35-2150902 ADVISOR | Direct payment from the plan; Consulting (general); Account maintenance fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 15 | — | $394K |
| ANTHEM BLUE CROSS BLUE SHIELD EIN 35-0781558 EAP | Other services; Direct payment from the plan Service code 49 | — | $73K |
| BOSE, MCKINNEY, & EVANS, LLP EIN 35-0957980 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $66K |
| INDIANA CREDIT UNION LEAGUE EIN 35-0408785 ADVOCACY | Direct payment from the plan; Consulting (general) Service code 16 | — | $59K |
| GROOM LAW GROUP, CHARTERED EIN 52-1219029 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $32K |
| KENTUCKY CREDIT UNION LEAGUE EIN 61-0391408 ADVOCACY | Direct payment from the plan; Consulting (general) Service code 16 | — | $25K |
| CURALINC, LLC EIN 33-1206383 EAP | Other services; Direct payment from the plan Service code 49 | — | $20K |
| BRADY, WARE AND SCHOENFELD EIN 35-1476702 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $15K |
| RSC INSURANCE BROKERAGE EIN 16-1689464 OTHER | Other fees; Direct payment from the plan Service code 50 | — | $7K |
| THE HOWARD E NYHART COMPANY, INC EIN 35-0966414 ACTUARY | Direct payment from the plan; Actuarial Service code 11 | — | $6K |
| INGENIORX, INC EIN 82-3062245 PHARMACY | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | — | -$44K |
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 | 3,580 | 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) | 3,580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 5,144 | $1.7M |
| Vision | VISION SERVICE PLAN | 3,259 | $392K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 3,580 | $2.6M |
| Other | ANTHEM INSURANCE COMPANIES, INC. | 3,580 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,144 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.