| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGOWAN INSURANCE GROUP, LLC3 | 355 INDIANA AVENUE SUITE 200 INDIANAPOLIS, IN 46204 | STANDARD INSURANCE COMPANY | $29K | $0 | $29K | 5.62% |
| MCGOWAN INSURANCE GROUP, LLC3 | 355 INDIANA AVENUE SUITE 200 INDIANAPOLIS, IN 46204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 9.84% |
| KYLE ELLISON3 Filed as: KYLE REED ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.13% |
| MARSHA S TALLEY3 Filed as: MARSHA S. TALLEY | 4295 WEST PEBBLE DRIVE JASPER, IN 47546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $785 | — | $785 | 2.24% |
| STEELE INSURANCE3 Filed as: STEELE INSURANCE AND FIN SVCS, INC. | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 0.49% |
| DANIEL CLEMENT3 | 13816 LAREDO DRIVE CARMEL, IN 46032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.11% |
| ROBERT W BURGETT3 Filed as: ROBERT WAYNE BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 446 | $508K |
| Vision | STANDARD INSURANCE COMPANY | 446 | $508K |
| Life insurance | STANDARD INSURANCE COMPANY | 446 | $508K |
| Short-term disability | STANDARD INSURANCE COMPANY | 446 | $508K |
| Long-term disability | STANDARD INSURANCE COMPANY | 446 | $508K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 446 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.