| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | AMERICAN UNITED LIFE INSURANCE COMPANY | $23K | $13K | $36K | 16.50% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 14.16% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $577 | $0 | $577 | 0.48% |
| BRIAN GRAHAM INC3 Filed as: BRIAN GRAHAM, INC. | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $273 | $0 | $273 | 0.23% |
| MARC S. OSCHERWITZ3 | 12414 GOLDEN OAK CIRCLE HUDSON, FL 34669 | AFLAC | $460 | $0 | $460 | 3.14% |
| MJ INSURANCE3 Filed as: PENNY D. PROFITT AND VARIOUS AGENTS | 1400 MEADOW WOODS COURT WAYNESVILLE, OH 45068 | AFLAC | $302 | $0 | $302 | 2.06% |
| GINA M. GEIGER3 | PO BOX 1542 MIAMISBURG, OH 45343 | AFLAC | $158 | $0 | $158 | 1.08% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MICHAEL N RUTHERFORD | 837 DEERHURST DRIVE VANDALIA, OH 45377 | AFLAC | $143 | $0 | $143 | 0.98% |
| JERRY PERRY RUBIN3 | 69 MUIRFIELD DRIVE BLUFFTON, SC 29909 | AFLAC | $103 | $0 | $103 | 0.70% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH E. PUPEK, JR. | 325 LOBLOLLY DRIVE BONAIRE, GA 31005 | AFLAC | $84 | $0 | $84 | 0.57% |
| ALEXANDER A ARTMAN3 Filed as: ALEXANDER A. ARTMAN | 102 POINTE VIEW DRIVE MARS, PA 16046 | AFLAC | $68 | $0 | $68 | 0.46% |
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 | 482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE | 482 | $180K |
| Vision | UNITEDHEALTHCARE INSURANCE | 482 | $180K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 480 | $216K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 480 | $216K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 480 | $216K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 480 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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.