| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SERVICES | SUITE 100 CARMEL, IN 46032 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $910 | $3K | 14.58% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON MEDICAL SOL | SUITE 17100 BOSTON, MA 02108 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $993 | $993 | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF PENNSYLVANIA, LP | 125 EAST ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | VISION BENEFITS OF AMERICA | $747 | — | $747 | 6.12% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF PA, INC. | 125 E ELM STREET SUITE 210 CONSHOHOCKEN, PA 19420 | RELIANCE STANDARD | $926 | — | $926 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | RELIANCE STANDARD | $309 | — | $309 | 5.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SRVCS, INC. | 1200 N MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD | — | $144 | $144 | 2.33% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 133 | $12K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 135 | $20K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 135 | $20K |
| Long-term disability | RELIANCE STANDARD | 14 | $6K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 135 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.