| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FULL SERVICE INSURANCE, INC.3 Filed as: FULL SERVICE INSURANCE | 903 MURPHREESBORO RD FRANKLIN, TN 37064 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $65K | $65K | 2.64% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP | 13800 JACKSON RD MISHAWAKA, IN 46544 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $24K | $24K | 0.99% |
| FULL SERVICE INSURANCE, INC.3 Filed as: FULL SERVICE INSURANCE INC | PO BOX 680639 FRANKLIN, TN 37068 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | $6K | $37K | 8.86% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 3.52% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 584 | $2.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 913 | $421K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 913 | $421K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 913 | $421K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 913 | $421K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 913 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 913 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.