| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | STANDARD INSURANCE COMPANY | $14K | $13K | $26K | 12.04% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | STANDARD INSURANCE COMPANY | $741 | $0 | $741 | 0.34% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMIN. INC. | PO BOX 9201 AUSTIN, TX 78766 | STANDARD INSURANCE COMPANY | $0 | $248 | $248 | 0.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $248 | $0 | $248 | 0.11% |
| MARC S. OSCHERWITZ3 | 12414 GOLDEN OAK CIRCLE HUDSON, FL 34669 | AFLAC | $659 | $0 | $659 | 3.07% |
| GINA M. GEIGER3 | PO BOX 1542 MIAMISBURG, OH 45343 | AFLAC | $377 | $184 | $561 | 2.61% |
| MJ INSURANCE3 Filed as: PENNY D. PROFITT AND VARIOUS AGENTS | 1400 MEADOW WOODS COURT WAYNESVILLE, OH 45068 | AFLAC | $520 | $0 | $520 | 2.42% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MICHAEL N. RUTHERFORD | 837 DEERHURST DRIVE VANDALIA, OH 45377 | AFLAC | $205 | $0 | $205 | 0.96% |
| JERRY PERRY RUBIN3 | 69 MUIRFIELD DRIVE BLUFFTON, SC 29909 | AFLAC | $131 | $0 | $131 | 0.61% |
| ALEXANDER A ARTMAN3 Filed as: ALEXANDER A. ARTMAN | 102 POINTE VIEW DRIVE MARS, PA 16046 | AFLAC | $90 | $23 | $113 | 0.53% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH E. PUPEK JR. | 325 LOBLOLLY DRIVE BONAIRE, GA 31005 | AFLAC | $92 | $0 | $92 | 0.43% |
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 | 392 | 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) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 392 | $220K |
| Life insurance | STANDARD INSURANCE COMPANY | 392 | $220K |
| Short-term disability | STANDARD INSURANCE COMPANY | 392 | $220K |
| Long-term disability | STANDARD INSURANCE COMPANY | 392 | $220K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 392 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.