| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF INDIANA, INC. | 11595 NORTH MERIDIAN STREET SUITE 250 CARMEL, IN 46032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $326K | $45K | $372K | 14.60% |
| STEELE INSURANCE AND FINANCIAL SVCS3 | 110 MONTIF BOULEVARD BROWNSBURG, IN 46122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $107K | $0 | $107K | 4.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF INDIANA, INC. | 11555 NORTH MERIDIAN STREET SUITE 220 CARMEL, IN 46032 | DELTA DENTAL OF INDIANA | $118K | $1K | $119K | 9.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF INDIANA, INC. | 11595 NORTH MERIDIAN STREET SUITE 250 CARMEL, IN 46032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $145 | $0 | $145 | 2.94% |
| JULIA A. RADTKE3 | 839 PENRIDGE COURT LAFAYETTE, IN 47901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.49% |
| BRYAN W HARPER3 Filed as: BRYAN W. HARPER | 921 YELLOW PINE COURT INDIANAPOLIS, IN 46217 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.28% |
| MJ INSURANCE3 Filed as: MATTHEW D. SMITH AND VARIOUS AGENTS | 7905 TANCES DRIVE CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.26% |
| JASON W BISHOP3 Filed as: JASON W. BISHOP | 1960 NORTH HIGHWAY 11 SE ELIZABETH, IN 47117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.24% |
| CARLY L KIERCE3 Filed as: CARLY L. KIERCE | 13932 WILMUTH DRIVE CARMEL, IN 46074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.20% |
| KITTE L ALLEN3 Filed as: KITTE L. ALLEN | 678 WALNUT WOODS DRIVE GREENWOOD, IN 46142 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.20% |
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 | 2,222 | 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) | 2,222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 4,621 | $1.3M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,022 | $2.5M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,022 | $2.5M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,022 | $2.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,022 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,621 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.