| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEELE INSURANCE3 Filed as: STEELE INS. AND FINANCIAL SVCS, INC | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | HARTFORD LIFE AND ACCIDENT | $27K | $0 | $27K | 5.82% |
| MJ INSURANCE3 | 571 MONON BOULEVARD CARMEL, IN 46032 | HARTFORD LIFE AND ACCIDENT | $18K | $2K | $20K | 4.27% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $0 | $18K | $18K | 3.87% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $7K | $19K | 8.26% |
| STEELE INSURANCE3 Filed as: STEELE INS. AND FINANCIAL SVCS, INC | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 3.25% |
| MJ INSURANCE | PO BOX 3430 CARMEL, IN 46082 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $35 | $35 | 0.02% |
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 | 425 | 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) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 659 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $232K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $232K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 425 | $472K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 425 | $472K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 425 | $472K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 659 | $2.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 425 | $472K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 693 | — |
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.