| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE VAUGHN GROUP EXPERIENCE RATED3 | PO BOX 532017 ORLANDO, FL 327654508 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $121K | — | $121K | 4.50% |
| VAUGHN GROUP INC NON-EXPERIENCE-RAT3 | PO BOX 532017 ORLANDO, FL 327654508 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 0.68% |
| VAUGHN GROUP INC3 Filed as: THE VAUGHN GROUP INC | PO BOX 532017 ORLANDO, FL 328532017 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 3.11% |
| VAUGHN GROUP INC3 | PO BOX 532017 ORLANDO, FL 32853 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.75% |
| ELIZABETH A SCHENK3 | PO BOX 1568 WINDERMERE, FL 347861568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| VAUGHN GROUP INC3 | PO BOX 532017 ORLANDO, FL 328532017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.75% |
| ELIZABETH A SCHENK3 | PO BOX 1568 WINDERMERE, FL 347861568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| ELBERT H VAUGHN JR3 Filed as: ELBERT H VAUGH JR | PO BOX 532017 ORLANDO, FL 32853 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 16.44% |
| VAUGHN GROUP INC3 Filed as: THE VAUGHN GROUP INC | PO BOX 532017 ORLANDO, FL 32853 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.07% |
| VAUGHN GROUP INC3 Filed as: THE VAUGHN GROUP INC | PO BOX 532017 ORLANDO, FL 327654508 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.01% |
| ELIZABETH A SCHENK3 | PO BOX 1568 WINDERMERE, FL 347861568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| DAVID D HOWES3 | 2461 W STATE RD 426 OVIEDO, FL 327654508 | KANAWHA INSURANCE COMPANY | $184 | — | $184 | 1.20% |
| ELBERT H VAUGHN JR3 Filed as: ELBERT H VAUGH JR | 1407 E ROBINSON STREET ORLANDO, FL 328532017 | KANAWHA INSURANCE COMPANY | $132 | — | $132 | 0.86% |
| THE VAUGHN GROUP EXPERIENCE RATED3 Filed as: VAUGHN GROUP INC THE | PO BOX 532017 ORLANDO, FL 328532017 | KANAWHA INSURANCE COMPANY | $118 | — | $118 | 0.77% |
| HOWES, INC. Filed as: HOWES INC | 2461 W STATE RD 426 OVIEDO, FL 327654508 | KANAWHA INSURANCE COMPANY | $43 | — | $43 | 0.28% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 50 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 579 | $2.7M |
| Dental | HUMANA INSURANCE COMPANY | 273 | $216K |
| Vision | HUMANA INSURANCE COMPANY | 273 | $216K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 408 | $126K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $55K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 579 | $2.7M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 191 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.