| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $12K | — | $12K | 29.26% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | VISION BENEFITS OF AMERICA | $724 | — | $724 | 3.31% |
| EMERSON REID LLC3 | 261 MADISON AVE SUITE 602 NEW YORK, NY 10016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $605 | $605 | 3.07% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | UPMC HEALTH OPTIONS | 284 | $1.7M |
| Dental | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | 218 | $76K |
| Vision(2 contracts, 2 carriers) | AFLAC | 191 | $64K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $20K |
| Short-term disability | AFLAC | 121 | $42K |
| Long-term disability | AFLAC | 121 | $42K |
| Prescription drug(6 contracts) | UPMC HEALTH OPTIONS | 284 | $1.7M |
| Other(2 contracts, 2 carriers) | AFLAC | 233 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.