| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS,LLC | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $63K | $74K | 4.57% |
| HEARTLAND BENEFITS INC3 | 233 EAST CENTER AVE SEBRING, FL 33870 | AFLAC | $18K | $600 | $18K | 11.28% |
| MJ INSURANCE3 Filed as: BRENT E GUMBS AND VARIOUS AGENTS | PO BOX 305764 ST THOMAS, VI 00803 | AFLAC | $7K | $217 | $7K | 4.37% |
| STEFAN E SCHULT3 | 233 E CENTER AVENUE SEBRING, FL 33870 | AFLAC | $2K | $56 | $2K | 1.51% |
| SHANNON SPRADLING3 | 1875 CARROLL DR SAINT CLOUD, FL 34771 | AFLAC | $2K | $159 | $2K | 1.17% |
| RHONDA R BUCKNER3 | 500 FOREST RD GADSDEN, AL 35901 | AFLAC | $2K | $59 | $2K | 1.11% |
| DIANA MARIE CASEY3 | 233 E CENTER AVE SEBRING, FL 33870 | AFLAC | $1K | $25 | $1K | 0.69% |
| ANN QUEEN3 | PO BOX 92 LEXINGTON, NC 27293 | AFLAC | $744 | — | $744 | 0.46% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS,LLC | 43370 MOUND RD STERLING HEIGHTS, MI 483142022 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 8.91% |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 384 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 384 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 384 | $1.6M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 375 | $62K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 375 | $62K |
| Other(2 contracts, 2 carriers) | AFLAC | 375 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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."
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.