| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACKSON AGENCY INC3 Filed as: JACKSON MCCORMICK AGENCY | P.O. BOX 523 LEBANON, IN 46052 | THE EPIC LIFE INSURANCE COMPANY | $15K | — | $15K | 14.50% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | THE EPIC LIFE INSURANCE COMPANY | $2K | — | $2K | 1.70% |
| BROAD STREET BRKG INS AGCY INC3 Filed as: BROAD STREET BROKERAGE INS AGENCY | 471 EAST BROAD STREET 10TH FLOOR COLUMBUS, OH 43215 | THE EPIC LIFE INSURANCE COMPANY | $995 | — | $995 | 0.95% |
| RMS BENEFIT SOLUTIONS3 | 5054 REED ROAD COLUMBUS, OH 43220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 12.00% |
| RMFS BENEFIT SOLUTIONS3 | 5054 REED ROAD COLUMBUS, OH 43220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 13.00% |
| RMFS BENEFIT SOLUTIONS3 | 5054 REED ROAD COLUMBUS, OH 43220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $370 | — | $370 | 13.01% |
| RMFS BENEFIT SOLUTIONS3 | 5054 REED ROAD COLUMBUS, OH 43220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $271 | — | $271 | 15.02% |
| RMFS BENEFIT SOLUTIONS3 Filed as: RMFS BENEFIT SOULUTIONS | 5054 REED ROAD COLUMBUS, OH 43220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $187 | — | $187 | 15.00% |
| RMFS BENEFIT SOLUTIONS3 | 5054 REED ROAD COLUMBUS, OH 43220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8 | — | $8 | 14.55% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC | 289 | $3.6M |
| Dental | THE EPIC LIFE INSURANCE COMPANY | 108 | $105K |
| Vision | THE EPIC LIFE INSURANCE COMPANY | 108 | $105K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 390 | $37K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 390 | $46K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 390 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.