| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TONY A BYRD3 | 1717 SOUTH HILAND DRIVE FRANKFORT, IN 46041 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | — | $48K | 1.39% |
| RMFS BENEFIT SOLUTIONS3 Filed as: RMFS BENEFIT SOLUTIONS LLC | 5074 BROXBURN COURT DUBLIN, OH 43017 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 0.93% |
| JACKSON AGENCY INC3 | PO BOX 523 LEBANON, IN 46052 | UNITEDHEALTHCARE INSURANCE COMPANY | $123 | — | $123 | 0.00% |
| TONY A BYRD3 Filed as: TONY A BYRD AGENCY | 1717 SOUTH HILAND DRIVE FRANKFORT, IN 46041 | THE EPIC LIFE INSURANCE COMPANY | $15K | — | $15K | 14.47% |
| 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 | $2K | — | $2K | 2.12% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | THE EPIC LIFE INSURANCE COMPANY | $2K | — | $2K | 1.70% |
| RMS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 12.00% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 13.00% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $370 | — | $370 | 12.99% |
| RMFS BENEFIT SOLUTIONS3 Filed as: RMFS BENEFIT SOULUTIONS | 5074 BROXBURN COURT DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $405 | — | $405 | 15.00% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN CT DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $245 | — | $245 | 15.01% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17 | — | $17 | 15.04% |
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 | 408 | 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) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 534 | $3.5M |
| Dental | THE EPIC LIFE INSURANCE COMPANY | 112 | $107K |
| Vision | THE EPIC LIFE INSURANCE COMPANY | 112 | $107K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $47K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.