| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TONY A BYRD3 | 1717 SOUTH HILAND DRIVE FRANKFORT, IN 46041 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 1.22% |
| RMFS BENEFIT SOLUTIONS3 Filed as: RMFS BENEFIT SOLUTIONS LLC | 5074 BROXBURN COURT DUBLIN, OH 43017 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 0.82% |
| TONY A BYRD3 Filed as: TONY A BYRD AGENCY | 5A CARLYLE DRIVE FRANKFORT, IN 46041 | THE EPIC LIFE INSURANCE COMPANY | $16K | — | $16K | 11.21% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | THE EPIC LIFE INSURANCE COMPANY | $2K | — | $2K | 1.36% |
| 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 | 1.23% |
| 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% |
| MEDOVA HEALTHCARE3 | 8300 EAST THORN DRIVE SUITE 300 WICHITA, KS 67226 | VISION SERVICE PLAN | — | $3K | $3K | 90.21% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $372 | — | $372 | 12.99% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $217 | — | $217 | 14.98% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15 | — | $15 | 15.00% |
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) | UNITEDHEALTHCARE INSURANCE COMPANY | 520 | $3.6M |
| Dental | THE EPIC LIFE INSURANCE COMPANY | 98 | $139K |
| Vision(2 contracts, 2 carriers) | THE EPIC LIFE INSURANCE COMPANY | 98 | $142K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 400 | $37K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 400 | $47K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 400 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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.