| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC S. OSCHERWITZ3 | 12414 GOLDEN OAK CIRCLE HUDSON, FL 34669 | AFLAC | $587 | $0 | $587 | 0.06% |
| ALEXANDER A ARTMAN3 Filed as: ALEXANDER A. ARTMAN & OTHER AGENTS | 102 POINTE VIEW DRIVE MARS, PA 16046 | AFLAC | $478 | $0 | $478 | 0.05% |
| GINA M. GEIGER3 | PO BOX 1542 MIAMISBURG, OH 45343 | AFLAC | $215 | $0 | $215 | 0.02% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MICHAEL N. RUTHERFORD | 837 DEERHURST DRIVE VANDALIA, OH 45377 | AFLAC | $184 | $0 | $184 | 0.02% |
| JERRY PERRY RUBIN3 | 69 MUIRFIELD DRIVE BLUFFTON, SC 29909 | AFLAC | $123 | $0 | $123 | 0.01% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH E. PUPEK JR. | 325 LOBLOLLY DRIVE BONAIRE, GA 31005 | AFLAC | $99 | $0 | $99 | 0.01% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $8 | $0 | $8 | 0.00% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 10.00% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.92% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | STANDARD INSURANCE COMPANY | $3K | $543 | $4K | 11.83% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 222 | $30K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 413 | $193K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 413 | $193K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 413 | $193K |
| Other(2 contracts, 2 carriers) | AFLAC | 413 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.