| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | MUTUAL OF OMAHA | $2K | $849 | $3K | 6.30% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | MUTUAL OF OMAHA | $2K | $601 | $2K | 13.26% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | MUTUAL OF OMAHA | $2K | $565 | $2K | 13.09% |
| VERA I CRUICE3 Filed as: VERA CRUICE | 11445 DRAKEWOOD CT. JACKSONVILLE, FL 32223 | AFLAC | $1K | $99 | $1K | 10.13% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 10375 CENTURION PARKWAY N SUITE 100 JACKSONVILLE, FL 32256 | AFLAC | $382 | $23 | $405 | 2.91% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS, INC. | 179 PINE HAVEN DR. ST. JOHNS, FL 32259 | AFLAC | $171 | $23 | $194 | 1.40% |
| ELEANOR ARNOLD3 | 131 OLD CARRIAGE CT. POINTE VEDRA, FL 32081 | AFLAC | $85 | $0 | $85 | 0.61% |
| ELAINE COX3 | 3355 DOROTHEA RD. JACKSONVILLE, FL 32216 | AFLAC | $54 | $0 | $54 | 0.39% |
| JAMEY MILLER INC3 Filed as: JAMEY MILLER,, INC. | 12942193RD AVE. E BONNEY LAKE, WA 98391 | AFLAC | $51 | $0 | $51 | 0.37% |
| JAMES ARTHUR HARBOUR3 | 405 BARSCHALL DR. COLUMBUS, GA 31904 | AFLAC | $34 | $0 | $34 | 0.24% |
| CAROLYN SEGARS3 | 2734 BAYVIEW RD JACKSONVILLE, FL 32210 | AFLAC | $18 | $0 | $18 | 0.13% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, OH 48310 | AFLAC | $17 | $0 | $17 | 0.12% |
| JOEY C ADAMS3 Filed as: JOEY C. ADAMS | 317 NORTHEAST 36TH AVE SUITE 6 OCALA, FL 34470 | AFLAC | $15 | $0 | $15 | 0.11% |
| DAVID C SWEIGARD3 Filed as: DAVID C. SWEIGARD | 2603 PELLICER RD ST. AUGUSTINE, FL 32092 | AFLAC | $9 | $0 | $9 | 0.06% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL, JR. | 15 . INDIAN RIVER RD. APTL 705 COCOA, FL 32922 | AFLAC | $6 | $0 | $6 | 0.04% |
| TRACI R BATTEN3 Filed as: TRACI BATTEN | 375 HARBOUR COVE DR. APT 323 SPARKS, NV 89434 | AFLAC | $5 | $0 | $5 | 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 | 6751 MACON RD SUITE 4 COLUMBUS, GA 31907 | AFLAC | $5 | $0 | $5 | 0.04% |
| J W GRIMES INC3 Filed as: JW GRIMES, INC. | 6165 WATERFORD RD. COLUMBUS, GA 31904 | AFLAC | $2 | $0 | $2 | 0.01% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT. APR 1303 COLUMBUSSS, GA 31904 | AFLAC | $2 | $0 | $2 | 0.01% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $2 | $0 | $2 | 0.01% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | MUTUAL OF OMAHA | $890 | $284 | $1K | 13.19% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | MUTUAL OF OMAHA | $829 | $253 | $1K | 13.06% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 Filed as: BENEFIT PARTNERS, LLC DBA SALUS GRO | 38233 MOUND RD, BUILDING F STERLING HEIGHTS, MI 48310 | MUTUAL OF OMAHA | $742 | $274 | $1K | 12.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 | Plan Administrator Service code 14 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $58K |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | MUTUAL OF OMAHA | 85 | $47K |
| Vision | MUTUAL OF OMAHA | 79 | $8K |
| Life insurance | MUTUAL OF OMAHA | 115 | $8K |
| Short-term disability | AFLAC | 16 | $14K |
| Long-term disability | MUTUAL OF OMAHA | 115 | $18K |
| Other(4 contracts, 2 carriers) | MUTUAL OF OMAHA | 115 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.