| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREENE-HAZEL & ASSOCS INC3 Filed as: GREENE-HAZEL & ASSOCIATES, INC. | 10739 DEERWOOD PARK BLVD SUITE 200 JACKSONVILLE, FL 322562873 | UNITED HEALTHCARE INSURANCE COMPANY | — | $55K | $55K | 5.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON BLVD CHICAGO, IL 60604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.50% |
| TERESA WEST3 | 8833 PERIMETER PARK BLVD STE 802 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE | $2K | — | $2K | 8.30% |
| GREEN HAZEL ASSOCIATES INC3 Filed as: GREEN-HAZEL & ASSOCIATES INC | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | AMERICAN HERITAGE LIFE | $1K | — | $1K | 5.01% |
| BENEFIT TECHNOLOGIES LLC3 | 1200 E TAFT AVE SAPULPA, FL 32216 | AMERICAN HERITAGE LIFE | $1K | — | $1K | 3.97% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | C/O BENEFITS SERVICES GROUP INC 8833 PERIMETER PARK BLVD STE 802 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE | $187 | — | $187 | 0.73% |
| DWIGHT L PIERCE3 Filed as: DWIGHT LEEROY PIERCE | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE | $141 | — | $141 | 0.55% |
| MARK FALBO3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE | $61 | — | $61 | 0.24% |
| ROSS LEHMAN3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE | $39 | — | $39 | 0.15% |
| DAVID B PHILLIPS3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE | $28 | — | $28 | 0.11% |
| BENEFIT TECHNOLOGIES LLC3 | C/O BENEFIT SERVICES GRP INC 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE | $9 | — | $9 | 0.04% |
| ANDREW D KOWN3 Filed as: ANDREW KWON | PO BOX 40542 CINCINNATI, OH 45240 | AMERICAN HERITAGE LIFE | $7 | — | $7 | 0.03% |
| MELISSA E KLIPP3 Filed as: MELISSA E. KLIPP | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE | $7 | — | $7 | 0.03% |
| WILLIAM M MCMULLEN3 | C/O BENEFITS FOR AMERICA PO BOX 1321 ALEXANDER CITY, AL 35011 | AMERICAN HERITAGE LIFE | $6 | — | $6 | 0.02% |
| WILLARD H FORD3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE | $5 | — | $5 | 0.02% |
| TERESA WEST3 | 8833 PERIMETER BLVD STE 802 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE | $518 | — | $518 | 10.24% |
| GREENE-HAZEL & ASSOCS INC3 Filed as: GREENE-HAZEL ASSOCIATES, INC. | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | AMERICAN HERITAGE LIFE | $260 | — | $260 | 5.14% |
| BENEFIT TECHNOLOGIES LLC3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE | $107 | — | $107 | 2.11% |
| DAVID B PHILLIPS3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE | $28 | — | $28 | 0.55% |
| DWIGHT PIERCE C/O BENEFITS SERVICES3 Filed as: DWIGHT PIERCE C/O BENEFIT SERVICES | 8833 PERIMETER PARK BLVD STE 802 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE | $22 | — | $22 | 0.43% |
| ROSS LEHMAN3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE | $3 | — | $3 | 0.06% |
| ANDREW D KOWN3 Filed as: ANDREW KWON | PO BOX 40542 CINCINNATI, OH 452400542 | AMERICAN HERITAGE LIFE | $3 | — | $3 | 0.06% |
| WILLIAM M MCMULLEN3 | C/O BENEFITS FOR AMERICA PO BOX 1321 ALEXANDER CITY, AL 35011 | AMERICAN HERITAGE LIFE | $1 | — | $1 | 0.02% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 315 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $126K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $126K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $126K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $126K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
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.