| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1154 CONNER STREET NOBLESVILLE, IN 46060 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 9.47% |
| SCHWARZ INSURANCE AGENCY INC3 | 1420 N RIDGE DR PRAIRIE DU SAC, WI 53578 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 8.90% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 200 CARMEL, IN 46032 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 3.79% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W 96TH ST STE 350 INDIANAPOLIS, IN 46260 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 2.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8605 BROADWAY STE A MERRILLVILLE, IN 46410 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 1.46% |
| FIRST CHOICE INSURANCE AGENCY3 | 1359 N WESTWOOD BLVD POPLAR BLUFF, MO 63901 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.95% |
| MAXEY & ASSOCIATES INSURANCE INCORP3 | PO BOX 536 PORTAGE, IN 46368 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.39% |
| NEFOUSE & ASSOCIATES, INC.3 Filed as: NEFOUSE & ASSOCIATES INC | 8435 KEYSTONE XING STE 160 INDIANAPOLIS, IN 46240 | UNITEDHEALTHCARE INSURANCE COMPANY | $577 | — | $577 | 0.22% |
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 | 467 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 467 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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."
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.