| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | UNITED HEALTHCARE INSURANCE COMPANY | $99K | — | $99K | 4.00% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | UNITED HEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 9.15% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.48% |
| GCG FINANCIAL LLC3 Filed as: CLARITY, AN ALERA GROUP COMPANY LLC | PO BOX 46122 EDEN PRAIRIE, MN 55347 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $21K | — | $21K | 58.45% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO, INC | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $11K | — | $11K | 31.62% |
| SCU HOUSE ACCT3 | PO BOX 8063 LITTLE ROCK, AR 72203 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $103 | — | $103 | 0.29% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $584 | $5K | 13.35% |
| JENNON M CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | SYMETRA LIFE INSURANCE COMPANY | $7K | $688 | $8K | 40.59% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | SYMETRA LIFE INSURANCE COMPANY | $4K | — | $4K | 19.94% |
| AUSITN & CO INC.4 Filed as: AUSITN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $512 | — | $512 | 16.99% |
| LEA SWANSON4 | 7734 MORLEY RD MENTOR, OH 44060 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $95 | — | $95 | 3.15% |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 161 | $2.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 259 | $162K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 259 | $162K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 240 | $70K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $76K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 240 | $34K |
| Other(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 240 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.