| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TONY A BYRD3 Filed as: TONY A BYRD AGENCY INC | 1010 COIN LANE FRANKFORT, IN 46041 | ANTHEM INSURANCE COMPANIES, INC. | $48K | — | $48K | 1.55% |
| RITCHIE, MARK3 | 1127 EAST SEMINOLE AVENUE 21-C JUPITER, FL 33477 | ANTHEM INSURANCE COMPANIES, INC. | $31K | — | $31K | 1.00% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY BENEFITS INC | 558 FOX LANE CARMEL, IN 46032 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 14.20% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 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 | $230 | — | $230 | 14.97% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21 | — | $21 | 15.22% |
| RMFS BENEFIT SOLUTIONS3 | 5074 BROXBURN COURT DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$486 | — | -$486 | — |
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 | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 241 | $3.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 154 | $124K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 154 | $124K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 400 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 400 | $57K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 400 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
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.