| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TONY A BYRD3 | 1717 SOUTH HILAND DRIVE FRANKFORT, IN 46041 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | — | $48K | 1.40% |
| RMFS BENEFIT SOLUTIONS3 Filed as: RMFS BENEFIT SOLUTIONS LLC | 5074 BROXBURN COURT DUBLIN, OH 43017 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 0.93% |
| TONY A BYRD3 Filed as: TONY A BYRD AGENCY | 5A CARLYLE DRIVE FRANKFORT, IN 46041 | THE EPIC LIFE INSURANCE COMPANY | $15K | — | $15K | 3.78% |
| 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 | 0.51% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | THE EPIC LIFE INSURANCE COMPANY | $2K | — | $2K | 0.44% |
| RMFS 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 | $379 | — | $379 | 13.02% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $246 | — | $246 | 15.04% |
| MENDOVA HEALTHCARE3 | 345 N RIVERVIEW SUITE 600 WICHITA, KS 67203 | VISION SERVICE PLAN | $356 | $355 | $711 | 56.93% |
| TONY A BYRD3 Filed as: TONY BYRD INSURANCE | 5A CARLYLE DRIVE FRANKFORT, IN 46041 | VISION SERVICE PLAN | $445 | — | $445 | 35.63% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | VISION SERVICE PLAN | $445 | — | $445 | 35.63% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18 | — | $18 | 14.75% |
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 | 402 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | 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) | UNITEDHEALTHCARE INSURANCE COMPANY | 543 | $3.4M |
| Dental | THE EPIC LIFE INSURANCE COMPANY | 121 | $407K |
| Vision(2 contracts, 2 carriers) | THE EPIC LIFE INSURANCE COMPANY | 121 | $409K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 402 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 402 | $47K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 402 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.