| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1154 CONNER ST NOBLESVILLE, IN 46060 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 13.03% |
| SCHWARZ INSURANCE AGENCY INC3 | 1420 N RIDGE DR PRAIRIE DU SAC, WI 53578 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 12.30% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 200 CARMEL, IN 46032 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 5.26% |
| LOCASIO HADDEN & DENNIS LLC3 | 250 W 96TH ST STE 350 INDIANAPOLIS, IN 46260 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 3.57% |
| MEYERS GLAROS GROUP LLC3 Filed as: MEYERS GLAROS LLC | 8605 BROADWAY MERRILLVILLE, IN 46410 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 1.56% |
| FIRST CHOICE INSURANCE AGENCY3 Filed as: FIRST CHOICE INSURANCE AGENCY INC | 1359 N WESTWOOD BLVD POPLAR BLUFF, MO 63901 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 1.54% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON RD MISHAWAKA, IN 46544 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 1.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8605 BROADWAY STE A MERRILLVILLE, IN 46410 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.59% |
| MAXEY & ASSOCIATES INSURANCE INCORP3 | PO BOX 536 PORTAGE, IN 46368 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.57% |
| NEFOUSE & ASSOCIATES, INC.3 Filed as: NEFOUSE & ASSOCIATES INC | 8435 KEYSTONE XING STE 160 INDIANAPOLIS, IN 46240 | UNITEDHEALTHCARE INSURANCE COMPANY | $361 | $0 | $361 | 0.19% |
| SEEMAN HOLTZ PROPERTY & CASUALTY LL3 | 1154 CONNER ST NOBLESVILLE, IN 46060 | UNITEDHEALTHCARE INSURANCE COMPANY | -$16 | $0 | -$16 | -0.01% |
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 | 363 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 363 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.