| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55K | — | $55K | 24.06% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCKTHORN RD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 5.21% |
| MS BENEFITS3 Filed as: MS BENEFITS LLC | 100 CHALLENGER ROAD, SUITE 105 RIDGEFIELD PARK, NJ 07660 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 4.53% |
| DANIEL C HARRIS3 | 413 OAK RIDGE COURT MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 3.77% |
| SUZANNE MCFARLAND3 Filed as: SUZANNE LYNNE MCFARLAND | 1125 SETH ST CORPUS CHRISTI, TX 78418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 2.15% |
| KYLE ELLISON3 Filed as: KYLE REED ELLISON | 3524 ELMRIDGE DR EVANSVILLE, IN 47711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 1.78% |
| AMANDA JENKINS3 | 889 N 275 W PRINCETON, IN 47670 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.49% |
| MATTHEW RYAN KIRKWOOD3 | 337 FIELDSRUN ROAD NEW CASTLE, PA 16105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.02% |
| HEATHER M BARTLEY3 | 602 BEAVER CT WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.02% |
| MICHAEL JOSEPH PEPIN3 | 31 BLOSSOM LANE DRACUT, MA 01826 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.96% |
| MARSHA S TALLEY3 | 4295 W PEBBLE DR JASPER, IN 47546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.95% |
| MELISSA L COLEMAN3 | 28803 DIAMONDHEAD S MONTGOMERY, TX 77356 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.87% |
| ZACHARY ROOSEVELT NUGENT3 | 1348 WEST MAGNOLIA JASPER, IN 47546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.84% |
| CATHERINE ANN MCLERNON3 | 2503 JACKSON SQUARE CIRCLE KISSIMEE, FL 34741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.73% |
| SUSAN LYNN STEVENSON3 | 9134 WILD TRAILS ST SAN ANTONIO, TX 78250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.62% |
| HEIDI A HERDMAN3 | 1227 CRANE BROOK WAY PEABODY, MA 01960 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.54% |
| TIMOTHY ADAM BARR3 | 28 SONGBIRD RD TRABUCO CANYON, CA 92679 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.51% |
| STACY RENEA RODGERS3 | 5521 SUNRISE TRL ROBSTOWN, TX 78380 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.45% |
| CHRISTIE WRIGHT3 | 5020 ASHBORNE RD GLEN ALLEN, SC 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $911 | — | $911 | 0.40% |
| GREGORY WAYNE CURTIS3 | 129 RESTON NEWBURG, IN 47630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $690 | — | $690 | 0.30% |
| RHONDA A DRESNER3 | 114 BURLINGTON ST WOBURN, MA 01801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $550 | — | $550 | 0.24% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER CHARLES FEAZEL | 33 CONANT STREET DANVERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $289 | — | $289 | 0.13% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA BRIAN PATTEN | 425 MCKEAN DRIVE WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | — | $220 | 0.10% |
| MICHAEL V BARRECA3 | 2966 MALIBU DRIVE SW WARREN, OH 44481 | CONTINENTAL AMERICAN INSURANCE COMPANY | $212 | — | $212 | 0.09% |
| NEELY PROCTER DEVINE3 | 2202 N WHEELER ST, APT 3206 VICTORIA, TX 77901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | — | $202 | 0.09% |
| ROBIN FROMME3 | 1001 EISENHOWER AVE JASPER, IN 47546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.04% |
| ROBERT W BURGETT3 Filed as: ROBERT WAYNE BURGETT | 3670 W 141ST ST CARMEL, IN 46074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.03% |
| WILLIAM KEZERLE3 | 205 GRAND PRAIRIE DR WILLARD, MO 65781 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.01% |
| JEFFREY CORREAL3 Filed as: JEFFREY SCOTT CORREAL | 442 DUCK HOLLOW RD UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| LUCAS S PATTEN3 | 165 SEWICKLEY FARM CIR MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| CHRISTOPHER C SIMENDINGER3 | 7011 OAK PARK DR GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $600 | $10K | 11.70% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $573 | $10K | 11.76% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $355 | $6K | 11.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $181K |
| SHEPHERD INSURANCE LLC EIN 45-3540375 BROKER | Other commissions Service code 55 | — | $65K |
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 | 940 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 940 | $397K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $51K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 317 | $1.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 720 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.