| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHAUER GROUP INC3 Filed as: SCHAUER GROUP INCORPORATED | 200 MARKET AVENUE N CANTON, OH 44702 | COMMUNITY INSURANCE COMPANY | $152K | $5K | $157K | 3.20% |
| SCHAUER GROUP INC3 Filed as: SCHAUER GROUP INCORPORATED | 200 MARKET AVENUE N CANTON, OH 44702 | BLUE CROSS BLUE SHIELD OF TEXAS | $20K | $0 | $20K | 2.93% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $24K | $24K | 10.01% |
| SCHAUER GROUP INC3 Filed as: SCHAUER GROUP INCORPORATED | 200 MARKET AVENUE N CANTON, OH 44702 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $3K | $21K | 9.07% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD, SUITE 300 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $5K | $24K | 28.85% |
| MARIAN E HENDERSON3 Filed as: MARIAN E. HENDERSON | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $311 | $0 | $311 | 5.77% |
| THOMAS M WILLIAMSON3 Filed as: THOMAS M. WILLIAMSON | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $116 | $0 | $116 | 2.15% |
| KELSEY DAVID EVERT3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $53 | $0 | $53 | 0.98% |
| DAVID M CRUMLEY3 Filed as: DAVID M. CRUMLEY | 5111 MARYLAND WAY, SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $39 | $0 | $39 | 0.72% |
| EVERETT C BICKEL3 Filed as: EVERETT C. BICKEL AND OTHER AGENTS | 6310 SW 103RD LANE OCALA, FL 34476 | AFLAC | $19 | $0 | $19 | 0.35% |
| JOSHUA LEE JONES3 | 1307 CAMPANIA NEW BRAUNFELS, TX 78132 | AFLAC | $18 | $0 | $18 | 0.33% |
| DAVID B RAY3 Filed as: DAVID B. RAY | 5122 STONEWOOD DRIVE SMYRNA, TN 37167 | AFLAC | $14 | $0 | $14 | 0.26% |
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 | 415 | 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) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 608 | $5.6M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 303 | $236K |
| Vision(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 303 | $317K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 303 | $317K |
| Short-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 303 | $323K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 303 | $317K |
| Prescription drug(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 608 | $5.6M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 303 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.