| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAEBLER GROUP3 Filed as: STAEBLER GROUP LLC | 575 COPELAND MILL RD WESTERVILLE, OH 43081 | RELIANCE STANDARD LIFE INSURANCE | $24K | — | $24K | 7.55% |
| US AMERICAN FINANCIAL ADVISORS LLC3 | 10589 LAGUNA CIRCLE PLAIN CITY, OH 43064 | RELIANCE STANDARD LIFE INSURANCE | $20K | — | $20K | 6.21% |
| BRIAN EDWARD JUND3 Filed as: BRIAN JUND | 99 WOOD AVENUE S ISELIN, NJ 08830 | RELIANCE STANDARD LIFE INSURANCE | $16K | — | $16K | 5.00% |
| USB HEALTH LLC3 | 99 WOOD AVENUE S ISELIN, NJ 08830 | RELIANCE STANDARD LIFE INSURANCE | $4K | — | $4K | 1.23% |
| STAEBLER GROUP3 | 575 COPELAND MILL RD WESTERVILLE, OH 43081 | UNITED HEALTH CARE | $3K | — | $3K | 1.12% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA BLUE BELL, PA 19422 | UNITED HEALTH CARE | $679 | — | $679 | 0.26% |
| APTA HEALTH5 | 11755 E. PEAKVIEW AVE. ENGLEWOOD, CO 80111 | MERITAIN HEALTH | $95K | — | $95K | 43.95% |
| STAEBLER GROUP3 | 575 COPELAND MILL RD WESTERVILLE, OH 43081 | MERITAIN HEALTH | $51K | — | $51K | 23.59% |
| KEY BENEFIT ADMINISTRATORS, INC3 Filed as: KEY BENEFIT ADMINISTRATORS, INC. | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | KEY BENEFIT ADMINISTRATORS, INC | $7K | — | $7K | 197.56% |
| STAEBLER GROUP3 Filed as: STAEBLER GROUP LLC | 575 COPELAND MILL RD. SUITE 2D WESTERVILLE, OH 43081 | KEY BENEFIT ADMINISTRATORS, INC | $2K | — | $2K | 44.18% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC | 5110 N. 40TH ST, STE 234 PHOENIX, AZ 85018 | KEY BENEFIT ADMINISTRATORS, INC | $711 | — | $711 | 18.88% |
| AMERICAN HEALTH DATA INSTITUTE3 | 8330 ALLISON POINTE INDIANAPOLIS, IN 46250 | KEY BENEFIT ADMINISTRATORS, INC | $531 | — | $531 | 14.10% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VERA STE 320 BLUE BELL, PA 19422 | KEY BENEFIT ADMINISTRATORS, INC | $420 | — | $420 | 11.15% |
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 | 334 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 161 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
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.