| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH5 | P.O. BOX 853921 RICHARDSON, TX 75085 | MERITAIN HEALTH | $0 | $49K | $49K | 4.10% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | MERITAIN HEALTH | $24K | $0 | $24K | 2.02% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.50% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD. BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| VERA I CRUICE3 Filed as: VERA I. CRUICE | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32256 | AFLAC | $3K | $132 | $3K | 20.52% |
| MARK A LINSNER3 Filed as: MARK A. LINSNER | 10375 CENTURION PKWY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $629 | $31 | $660 | 4.90% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS | 179 PINE HAVEN DR ST. JOHNS, FL 32259 | AFLAC | $293 | — | $293 | 2.18% |
| JAMEY MILLER INC3 Filed as: JAMEY MILLER INC. | 6270 TERRACE VIEW LN SE AUBURN, WA 98092 | AFLAC | $110 | $31 | $141 | 1.05% |
| ELEANOR E ARNOLD3 Filed as: ELEANOR E. ARNOLD | 131 OLD CARRIAGE CT PONTE VEDRA, FL 32081 | AFLAC | $79 | $0 | $79 | 0.59% |
| ELAINE COX3 | 3355 DOROTHEA RD. JACKSONVILLE, FL 32216 | AFLAC | $50 | $0 | $50 | 0.37% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES A. HARBOUR | 405 BARSCHALL DR. COLUMBUS, GA 31904 | AFLAC | $32 | $0 | $32 | 0.24% |
| DAVID K MOBLEY3 Filed as: DAVID MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $16 | $0 | $16 | 0.12% |
| CAROLYN SEGARS3 | 2734 BAYVIEW RD JACKSONVILLE, FL 32210 | AFLAC | $16 | $0 | $16 | 0.12% |
| JOEY C ADAMS3 Filed as: JOEY ADAMS | 317 NORTHEAST 36TH AVE SUITE 6 OCALA, FL 32092 | AFLAC | $13 | $0 | $13 | 0.10% |
| DAVID C SWEIGARD3 Filed as: DAVID C. SWEIGARD | 2603 PELLICER ROAD SAINT AUGUSTINE, FL 32092 | AFLAC | $8 | $0 | $8 | 0.06% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JUNIOR | 15 NORTH INDIAN RIVER DR #705 COCOA, FL 32922 | AFLAC | $6 | $0 | $6 | 0.04% |
| STEVEN KAISER3 | 644 IVY SPRINGS DRIVE FLOWERY BRANCH, GA 30542 | AFLAC | $5 | $0 | $5 | 0.04% |
| SOUTHEASTERN UNDWR INC3 Filed as: SOUTHEASTERN UNDERWRITING INC | 6751 MACON ROAD #4 COLUMBUS, GA 31907 | AFLAC | $5 | $0 | $5 | 0.04% |
| TRACI R BATTEN3 Filed as: TRACI BATTEN | 375 HARBOUR COVE DR. SPARKS, NV 89434 | AFLAC | $4 | $0 | $4 | 0.03% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $3 | $0 | $3 | 0.02% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $854 | $0 | $854 | 10.00% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD. BUILDING F STERLING HEIGHTS, MI 48310 | SUN LIFE FINANCIAL | $948 | — | $948 | 12.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | P.O.BOX 745897 ATLANTA, GA 30374 | SUN LIFE FINANCIAL | $20 | $0 | $20 | 0.26% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $704 | $0 | $704 | 9.12% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $739 | $0 | $739 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | P.O. BOX 745897 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33 | $0 | $33 | 14.35% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22 | — | $22 | 9.57% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 107 | $1.2M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $47K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $8K |
| Life insurance(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $45K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 107 | $30K |
| Long-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $37K |
| Prescription drug | MERITAIN HEALTH | 107 | $1.2M |
| Other(5 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
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.