| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $19K | — | $19K | 12.92% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 14.96% |
| HEIDI HANSEN3 | 12 FOX VALLEY DR ORANGE PARK, FL 32073 | AFLAC | $3K | $190 | $3K | 4.50% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AFLAC | $473 | — | $473 | 0.69% |
| HAUGHT FINANCIAL GRP INC3 Filed as: HAUGHT FINANCIAL GROUP INC | PO BOX 3158 PONTE VEDRA BEACH, FL 32004 | AFLAC | $404 | — | $404 | 0.59% |
| JAMEY MILLER INC3 | 2202 57TH STREET SE AUBURN, WA 98092 | AFLAC | $384 | — | $384 | 0.56% |
| EBERHART & ASSOCIATES INC3 Filed as: EBERHART & ASSOCIATES, INC | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $369 | — | $369 | 0.54% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 10375 CENTURION PARKWAY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $301 | $31 | $332 | 0.49% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS, INC | 179 PINE HAVEN DRIVE ST JOHNS, FL 32259 | AFLAC | $264 | $39 | $303 | 0.44% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $191 | — | $191 | 0.28% |
| FRAN C HARGARTEN III3 Filed as: FRAN HARGARTEN III | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | AFLAC | $183 | — | $183 | 0.27% |
| PHILIP L GREEN3 Filed as: PHILIP GREEN | 3948 3RD STREET S STE 175 JACKSONVILLE BEACH, FL 32250 | AFLAC | $182 | — | $182 | 0.27% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $143 | — | $143 | 0.21% |
| MARK BAILEY3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AFLAC | $136 | — | $136 | 0.20% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $123 | — | $123 | 0.18% |
| SHADEL & ASSOCIATES LLC3 | 126 HOPKINS ST NEPTUNE BEACH, FL 32266 | AFLAC | $76 | $8 | $84 | 0.12% |
| TRACI R BATTEN3 Filed as: TRACI BATTEN | 375 HARBOUR COVE DR APT 323 SPARKS, NV 89434 | AFLAC | $73 | — | $73 | 0.11% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $72 | — | $72 | 0.11% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 40 AVERY STREET ST AUGUSTINE, FL 32084 | AFLAC | $49 | — | $49 | 0.07% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 5346 DOMINCA CIRCLE SARASOTA, FL 34233 | AFLAC | $39 | — | $39 | 0.06% |
| BRANDON C ADAMS3 Filed as: BRANDON ADAMS | 268 SW SHOREWOOD DR DUNNELLON, FL 34431 | AFLAC | $34 | — | $34 | 0.05% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $34 | — | $34 | 0.05% |
| GLORIA BUSSEY3 | 3680 COQUINA KEY DR SE ST PETERSBURG, FL 33705 | AFLAC | $30 | — | $30 | 0.04% |
| VERA I CRUICE3 Filed as: VERA CRUICE | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $18 | — | $18 | 0.03% |
| SANDRA ADAMS3 | 1817 CYPRESS POINT RD OCALA, FL 34472 | AFLAC | $16 | — | $16 | 0.02% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $12 | — | $12 | 0.02% |
| SERGIO I GARCIA3 Filed as: SERGIO GARCIA | 7738 A C SKINNER PKWY APT 5417 JACKSONVILLE, FL 32256 | AFLAC | $12 | — | $12 | 0.02% |
| NICOLE SMITH3 | 13341 STONE POND DR JACKSONVILLE, FL 32224 | AFLAC | $11 | — | $11 | 0.02% |
| LINDA LITTLE3 | 6565 PERKINS DR MACON, GA 31216 | AFLAC | $11 | — | $11 | 0.02% |
| DAVID K MOBLEY3 Filed as: DAVID MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $8 | — | $8 | 0.01% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $7 | — | $7 | 0.01% |
| VICKI M DICKERT3 Filed as: VICKI DICKERT | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $7 | — | $7 | 0.01% |
| CECIL T SALMON3 Filed as: CECIL SALMON | 27 RAMBLEWOOD DR. PALM COAST, FL 32164 | AFLAC | $6 | — | $6 | 0.01% |
| MARIE MICHELE HASKELL3 Filed as: MARIE HASKELL | 5023 EAGLE POINT DR JACKSONVILLE, FL 32244 | AFLAC | $6 | — | $6 | 0.01% |
| ELAINE COX3 | 3355 DOROTHEA ROAD JACKSONVILLE, FL 32216 | AFLAC | $5 | — | $5 | 0.01% |
| J W GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $5 | — | $5 | 0.01% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 116 N DAWSON ST THOMASVILLE, GA 31792 | AFLAC | $5 | — | $5 | 0.01% |
| LAURA HEILIG3 | 13768 OAK TREE TER JACKSONVILLE, FL 32224 | AFLAC | $3 | — | $3 | 0.00% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $1 | — | $1 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $1 | — | $1 | 0.00% |
| HEIDI HANSEN3 | 12 FOX VALLEY DR ORANGE PARK, FL 32073 | AFLAC | $1K | $43 | $1K | 3.36% |
| GLORIA BUSSEY3 | 3680 COQUINA KEY DR SE ST PETERSBURG, FL 33705 | AFLAC | $244 | — | $244 | 0.69% |
| HAUGHT FINANCIAL GRP INC3 Filed as: HAUGHT FINANCIAL GROUP INC | PO BOX 3158 PONTE VEDRA BEACH, FL 32004 | AFLAC | $209 | — | $209 | 0.59% |
| LINDA LITTLE3 | 6565 PERKINS DR MACON, GA 31216 | AFLAC | $200 | — | $200 | 0.56% |
| FRAN C HARGARTEN III3 Filed as: FRAN HARGARTEN III | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | AFLAC | $183 | — | $183 | 0.51% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AFLAC | $141 | — | $141 | 0.40% |
| JAMEY MILLER INC3 | 2202 57TH STREET SE AUBURN, WA 98092 | AFLAC | $133 | — | $133 | 0.37% |
| DAVID K MOBLEY3 Filed as: DAVID MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $115 | — | $115 | 0.32% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $101 | — | $101 | 0.28% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 10375 CENTURION PARKWAY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $83 | $9 | $92 | 0.26% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS, INC | 179 PINE HAVEN DRIVE ST JOHNS, FL 32259 | AFLAC | $73 | $9 | $82 | 0.23% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 116 N DAWSON ST THOMASVILLE, GA 31792 | AFLAC | $78 | — | $78 | 0.22% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $69 | — | $69 | 0.19% |
| PHILIP L GREEN3 Filed as: PHILIP GREEN | 3948 3RD STREET S STE 175 JACKSONVILLE BEACH, FL 32250 | AFLAC | $62 | — | $62 | 0.17% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES HARBOUR | 405 BARSCHALL DR COLUMBUS, GA 31904 | AFLAC | $61 | — | $61 | 0.17% |
| EBERHART & ASSOCIATES INC3 Filed as: EBERHART & ASSOCIATES, INC | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $60 | — | $60 | 0.17% |
| SHADEL & ASSOCIATES LLC3 | 126 HOPKINS ST NEPTUNE BEACH, FL 32266 | AFLAC | $53 | — | $53 | 0.15% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 5346 DOMINCA CIRCLE SARASOTA, FL 34233 | AFLAC | $50 | — | $50 | 0.14% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $45 | — | $45 | 0.13% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $40 | — | $40 | 0.11% |
| TRACI R BATTEN3 Filed as: TRACI BATTEN | 375 HARBOUR COVE DR APT 323 SPARKS, NV 89434 | AFLAC | $39 | — | $39 | 0.11% |
| BRANDON C ADAMS3 Filed as: BRANDON ADAMS | 268 SW SHOREWOOD DR DUNNELLON, FL 34431 | AFLAC | $34 | — | $34 | 0.10% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $34 | — | $34 | 0.10% |
| MARK BAILEY3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AFLAC | $31 | — | $31 | 0.09% |
| SANDRA ADAMS3 | 1817 CYPRESS POINT RD OCALA, FL 34472 | AFLAC | $26 | — | $26 | 0.07% |
| VICKI M DICKERT3 Filed as: VICKI DICKERT | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $24 | — | $24 | 0.07% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 40 AVERY STREET ST AUGUSTINE, FL 32084 | AFLAC | $20 | — | $20 | 0.06% |
| VERA I CRUICE3 Filed as: VERA CRUICE | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $20 | — | $20 | 0.06% |
| ELAINE COX3 | 3355 DOROTHEA ROAD JACKSONVILLE, FL 32216 | AFLAC | $17 | — | $17 | 0.05% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $16 | — | $16 | 0.04% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $12 | — | $12 | 0.03% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $10 | — | $10 | 0.03% |
| LAURA HEILIG3 | 13768 OAK TREE TER JACKSONVILLE, FL 32224 | AFLAC | $7 | — | $7 | 0.02% |
| MARK C LEE3 Filed as: MARK LEE | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $6 | — | $6 | 0.02% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $6 | — | $6 | 0.02% |
| CECIL T SALMON3 Filed as: CECIL SALMON | 27 RAMBLEWOOD DR. PALM COAST, FL 32164 | AFLAC | $4 | — | $4 | 0.01% |
| NICOLE SMITH3 | 13341 STONE POND DR JACKSONVILLE, FL 32224 | AFLAC | $3 | — | $3 | 0.01% |
| MATTHEW SHANE STRONG3 Filed as: MATTHEW STRONG | 3860 COLONIAL BLVD STE 200 FORT MYERS, FL 33966 | AFLAC | $3 | — | $3 | 0.01% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 585 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $2 | — | $2 | 0.01% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $2 | — | $2 | 0.01% |
| JAMES HARRIS3 | 6329 RIVERMONT CT COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| MARIE MICHELE HASKELL3 Filed as: MARIE HASKELL | 5023 EAGLE POINT DR JACKSONVILLE, FL 32244 | AFLAC | $1 | — | $1 | 0.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 13.27% |
| HEIDI HANSEN3 | 12 FOX VALLEY DR ORANGE PARK, FL 32073 | AFLAC | $541 | $33 | $574 | 3.77% |
| EBERHART & ASSOCIATES INC3 Filed as: EBERHART & ASSOCIATES, INC | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $112 | — | $112 | 0.73% |
| JAMEY MILLER INC3 | 2202 57TH STREET SE AUBURN, WA 98092 | AFLAC | $103 | — | $103 | 0.68% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 10375 CENTURION PARKWAY N STE 100 JACKSONVILLE, FL 32256 | AFLAC | $74 | $7 | $81 | 0.53% |
| HAUGHT FINANCIAL GRP INC3 Filed as: HAUGHT FINANCIAL GROUP INC | PO BOX 3158 PONTE VEDRA BEACH, FL 32004 | AFLAC | $76 | — | $76 | 0.50% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AFLAC | $63 | — | $63 | 0.41% |
| PHILIP L GREEN3 Filed as: PHILIP GREEN | 3948 3RD STREET S STE 175 JACKSONVILLE BEACH, FL 32250 | AFLAC | $62 | — | $62 | 0.41% |
| MARK BAILEY3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | AFLAC | $62 | — | $62 | 0.41% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 2410 SOUTHERN LINKS DR FLEMING ISLAND, FL 32003 | AFLAC | $40 | — | $40 | 0.26% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS, INC | 179 PINE HAVEN DRIVE ST JOHNS, FL 32259 | AFLAC | $29 | $7 | $36 | 0.24% |
| CHRIS GUZEWICH3 | 1007 DRAKEFEATHER DR ORANGE PARK, FL 32065 | AFLAC | $31 | — | $31 | 0.20% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $25 | — | $25 | 0.16% |
| FRAN C HARGARTEN III3 Filed as: FRAN HARGARTEN III | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | AFLAC | $18 | — | $18 | 0.12% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DR LAFAYETTE, LA 70508 | AFLAC | $18 | — | $18 | 0.12% |
| GLORIA BUSSEY3 | 3680 COQUINA KEY DR SE ST PETERSBURG, FL 33705 | AFLAC | $18 | — | $18 | 0.12% |
| VICKI M DICKERT3 Filed as: VICKI DICKERT | 103 LAUGHING GULL LN CARRABELLE, FL 32322 | AFLAC | $16 | — | $16 | 0.10% |
| TRACI R BATTEN3 Filed as: TRACI BATTEN | 375 HARBOUR COVE DR APT 323 SPARKS, NV 89434 | AFLAC | $13 | — | $13 | 0.09% |
| SHADEL & ASSOCIATES LLC3 | 126 HOPKINS ST NEPTUNE BEACH, FL 32266 | AFLAC | $10 | — | $10 | 0.07% |
| DAVID K MOBLEY3 Filed as: DAVID MOBLEY | 3812 VALVERDE CIR JACKSONVILLE, FL 32224 | AFLAC | $9 | — | $9 | 0.06% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 40 AVERY STREET ST AUGUSTINE, FL 32084 | AFLAC | $9 | — | $9 | 0.06% |
| THE HORTON GROUP3 Filed as: R HORTON GRIFFIN JR | 116 N DAWSON ST THOMASVILLE, GA 31792 | AFLAC | $9 | — | $9 | 0.06% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $9 | — | $9 | 0.06% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 801 BRINY AVE APT 1403 POMPANO BEACH, FL 33062 | AFLAC | $7 | — | $7 | 0.05% |
| VERA I CRUICE3 Filed as: VERA CRUICE | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | AFLAC | $6 | — | $6 | 0.04% |
| JIMMY D BOONE3 Filed as: JIMMY BOONE | 5346 DOMINCA CIRCLE SARASOTA, FL 34233 | AFLAC | $4 | — | $4 | 0.03% |
| BRANDON C ADAMS3 Filed as: BRANDON ADAMS | 268 SW SHOREWOOD DR DUNNELLON, FL 34431 | AFLAC | $3 | — | $3 | 0.02% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $3 | — | $3 | 0.02% |
| SANDRA ADAMS3 | 1817 CYPRESS POINT RD OCALA, FL 34472 | AFLAC | $2 | — | $2 | 0.01% |
| AARON ANTHONY3 | 1700 FOUNTAIN CT APT 1303 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.01% |
| CECIL T SALMON3 Filed as: CECIL SALMON | 27 RAMBLEWOOD DR. PALM COAST, FL 32164 | AFLAC | $1 | — | $1 | 0.01% |
| MARK C LEE3 Filed as: MARK LEE | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.01% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $1 | — | $1 | 0.01% |
| DOUGLAS THOMAS O'NEAL JR3 | 605 TIMBER POND DRIVE PONTE VEDRA BEACH, FL 32082 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $2 | — | $2 | 0.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $11K |
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 | 429 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 389 | $2.1M |
| Dental | FLORIDA COMBINED LIFE | 310 | $146K |
| Vision | HUMANA INSURANCE COMPANY | 236 | $26K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 429 | $75K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 429 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.