| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | UNKNOWN MINNEAPOLIS, MN 55402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | $7K | $17K | 7.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERVICES | UNKNOWN CARMEL, IN 46032 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $5K | $9K | 3.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERVICES | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $7K | $10K | 11.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERVICES | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.20% |
| BONNIE H DROBNES3 Filed as: BONNIE H. DROBNES | 203 GLENEAGLES COURT BLUE BELL, PA 19422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $415 | $0 | $415 | 1.48% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 Filed as: MAIN LINE BEN. SOLNS & OTHER AGENTS | 1405 LARKSPUR LANE MALVERN, PA 19355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $381 | $0 | $381 | 1.36% |
| BRIAN K. MCCALL3 | 24 CROSSPARK DRIVE MANCHESTER, TN 37355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $379 | $0 | $379 | 1.35% |
| BONNIE H DROBNES3 Filed as: BONNIE HECHT DROBNES | 118 BEAUMONT PLACE LOWER GWYNEDD, PA 19002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $373 | $0 | $373 | 1.33% |
| DANIEL MARCIN INSURANCE INC3 Filed as: DANIEL MARCIN INSURANCE, INC. | 760 ALLEGHENY RIVER BOULEVARD SUITE 200 VERONA, PA 15147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | $0 | $82 | 0.29% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DRIVE, SUITE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 0.28% |
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 | 502 | 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) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AIRMEDCARE NETWORK | 502 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 463 | $91K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 502 | $233K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 260 | $28K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 502 | $233K |
| Other(8 contracts, 8 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 688 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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.