| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2305 RIVER ROAD, SUITE 300 LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $70K | $45K | $115K | 13.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 214 NORTH TRYON STREET, SUITE 46 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37K | $0 | $37K | 26.04% |
| SHAWN M COLIN3 Filed as: SHAWN MICHAEL COLIN | 4081 PAOLI PIKE FLOYDS KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | $0 | $25K | 17.65% |
| ASSUREDPARTNERS3 | 1105 SCHROCK ROAD, SUITE 500 COLUMBUS, OH 43229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 2.72% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.85% |
| BRANDEE L JUSTUS3 Filed as: BRANDEE L. JUSTICE | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 200 WEST VINE STREET, SUITE 300 LEXINGTON, KY 40507 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $10K | $0 | $10K | 8.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 200 WEST VINE STREET, SUITE 300 LEXINGTON, KY 40507 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $134 | $0 | $134 | 0.12% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY AND ONEIL, INC. | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | -$25 | $0 | -$25 | -0.02% |
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 | 1,599 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 1,743 | $114K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,599 | $844K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,599 | $844K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,599 | $844K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,599 | $986K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,743 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.