| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHAUER GROUP INC3 Filed as: SCHAUER GROUP INC. | 200 MARKET AVENUE NORTH, SUITE 100 CANTON, OH 44702 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $116K | $116K | 4.36% |
| SCHAUER GROUP INC3 Filed as: SCHAUER GROUP INC. | 200 MARKET AVENUE NORTH, SUITE 100 CANTON, OH 44702 | HARTFORD LIFE AND ACCIDENT | $15K | $0 | $15K | 10.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD, SUITE 103 INDEPENDENCE, OH 44131 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 5.00% |
| SCHAUER GROUP INC3 Filed as: SCHAUER INDEPENDENT INS. SERVICE | 200 MARKET AVENUE NORTH, SUITE 100 CANTON, OH 44702 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.97% |
| SCHAUER GROUP INC3 Filed as: SCHAUER GROUP INC. | 200 MARKET AVENUE NORTH, SUITE 100 CANTON, OH 44702 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 11.05% |
| MARIAN E HENDERSON3 Filed as: MARIAN HENDERSON | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $4K | $0 | $4K | 35.33% |
| THOMAS WILLIAMSON3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $992 | $0 | $992 | 8.09% |
| KELSEY EVERT3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $642 | $0 | $642 | 5.24% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLAY | 5111 MARYLAND WAY, SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $3 | $0 | $3 | 0.02% |
| DAVID B RAY Filed as: DAVID RAY | 5122 STONEWOOD DRIVE SMYRNA, TN 37167 | AFLAC | $2 | $0 | $2 | 0.02% |
| MJ INSURANCE3 Filed as: EVERT BICKEL AND VARIOUS AGENTS | 6310 SW 103RD LANE OCALA, FL 34476 | AFLAC | $2 | $0 | $2 | 0.02% |
| JOSHUA JONES3 | 1307 CAMPANIA NEW BRAUNFELS, TX 78132 | AFLAC | $1 | $0 | $1 | 0.01% |
| MARIAN E HENDERSON3 Filed as: MARIAN HENDERSON | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $2K | $93 | $2K | 24.54% |
| THOMAS WILLIAMSON3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $379 | $19 | $398 | 5.62% |
| KELSEY EVERT3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $237 | $19 | $256 | 3.61% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLAY | 5111 MARYLAND WAY, SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $35 | $0 | $35 | 0.49% |
| JOSHUA JONES3 | 1307 CAMPANIA NEW BRAUNFELS, TX 78132 | AFLAC | $16 | $0 | $16 | 0.23% |
| DAVID B RAY Filed as: DAVID RAY | 5122 STONEWOOD DRIVE SMYRNA, TN 37167 | AFLAC | $13 | $0 | $13 | 0.18% |
| MJ INSURANCE3 Filed as: EVERT BICKEL AND VARIOUS AGENTS | 6310 SW 103RD LANE OCALA, FL 34476 | AFLAC | $11 | $0 | $11 | 0.16% |
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 502 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $72K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 321 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 335 | $150K |
| Short-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 335 | $169K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 335 | $150K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 502 | $2.7M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 335 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.