| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZYNERGIA INSURANCE AGENCY LLC--DAVI3 | 10996 FOUR SEASONS PL STE 100A CROWN POINT, IN 46307 | DELTA DENTAL OF INDIANA | $40K | — | $40K | 9.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUALEXA HEALTHCARE, LLC NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | 10996 FOUR SEASONS PL 100A CROWN POINT, IN 46307 | $686K |
| S&S HEALTHCARE STRATEGIES NONE | Other services; Direct payment from the plan Service code 49 | 4900 PARKWAY DRIVE SUITE 160 MASON, OH 45040 | $111K |
| MERLINOS & ASSOCIATES NONE | Consulting (general); Direct payment from the plan Service code 16 | 5550 PEACHTREE PKWY #600 PEACHTREE CORNERS, GA 30092 | $97K |
| PAYER COMPASS NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | 5800 GRANITE PARKWAY SUITE 450 PLANO, TX 75024 | $75K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $57K |
| MULTIPLAN-PHCS NONE | Other services; Direct payment from the plan Service code 49 | 115 FIFTH AVENUE NEW YORK, NY 10003 | $42K |
| MEDXOOM NONE | Other services; Direct payment from the plan Service code 49 | 800 BATTERY AVE SE ATLANTA, GA 30339 | $27K |
| MISSISSIPPI PHYSICIAN'S CARE NETWOR NONE | Direct payment from the plan; Other services Service code 49 | 601 CRESCENT BOULEVARD SUITE 103 RIDGELAND, MS 39157 | $13K |
| C2C INNOVATION SOLUTIONS, INC NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 45309 JACKSONVILLE, FL 322325309 | $8K |
| FIFTH THIRD BANK NONE | Direct payment from the plan; Other services Service code 49 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | $8K |
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 | 1,057 | 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) | 1,057 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 1,021 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,021 | — |
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.