| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES HUFSTETLER3 Filed as: JAMES L. HUFSTETLER, SR. | P.O. BOX 536246 ORLANDO, FL 32853 | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES (CIGNA) | $73K | — | $73K | 1.45% |
| JAMES HUFSTETLER Filed as: JAMES L. HUFSTETLER, SR. | P.O. BOX 536246 ORLANDO, FL 32853 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 13.00% |
| JAMES L HUFSTETLER3 Filed as: JAMES L. HUFSTETLER | P.O. BOX 536246 ORLANDO, FL 32853 | COMPBENEFITS INSURANCE - DENTAL | $15K | — | $15K | 8.96% |
| JAMES HUFSTETLER Filed as: JAMES L. HUFSTETLER, SR. | P.O. BOX 536246 ORLANDO, FL 32853 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 13.00% |
| SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $294 | $8K | 10.07% |
| JAMES L HUFSTETLER3 Filed as: JAMES L. HUFSTETLER | P.O. BOX 536246 ORLANDO, FL 32853 | COMPBENEFITS INSURANCE - VISION | $4K | — | $4K | 7.31% |
| JAMES HUFSTETLER3 Filed as: JAMES L. HUFSTETLER, SR. | P.O. BOX 536246 ORLANDO, FL 32853 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 13.00% |
| CHRISTINA S OSSI3 Filed as: CHRISTINA D. MOORE | 1760 SHADOWOOD LANE JACKSONVILLE, FL 32207 | GE GROUP LIFE ASSURANCE COMPANY | $248 | — | $248 | 18.54% |
| SEE ATTACHED3 | — | AFLAC | $37 | — | $37 | 3.28% |
| SEE ATTACHED3 | — | WASHINGTON NATIONAL HEALTH INSURANCE COMPANY | $110 | — | $110 | 32.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DISCOVERY BENEFITS EIN 90-0058554 NONE | Contract Administrator Service code 13 | POST OFFICE BOX 9528 FARGO, ND 58106 | $10K |
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 | 1,146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 95 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES (CIGNA) | 785 | $5.1M |
| Dental | COMPBENEFITS INSURANCE - DENTAL | 646 | $165K |
| Vision | COMPBENEFITS INSURANCE - VISION | 518 | $57K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,146 | $308K |
| Short-term disability(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 339 | $136K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 282 | $113K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 144 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,146 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.