| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 500 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $119 | $16K | 9.17% |
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 500 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 6.75% |
| MARC S. OSCHERWITZ3 | 12414 GOLDEN OAK CIRCLE HUDSON, FL 34669 | AFLAC | $533 | $0 | $533 | 3.24% |
| MJ INSURANCE3 Filed as: PENNY D. PROFITT AND VARIOUS AGENTS | 1400 MEADOW WOODS COURT WAYNESVILLE, OH 45068 | AFLAC | $344 | $0 | $344 | 2.09% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MICHAEL N. RUTHERFORD | 837 DEERHURST DRIVE VANDALIA, OH 45377 | AFLAC | $180 | $0 | $180 | 1.09% |
| GINA M. GEIGER3 | PO BOX 1542 MIAMISBURG, OH 45343 | AFLAC | $169 | $0 | $169 | 1.03% |
| JERRY PERRY RUBIN3 | 69 MUIRFIELD DRIVE BLUFFTON, SC 29909 | AFLAC | $119 | $0 | $119 | 0.72% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH E. PUPEK JR | 325 LOBLOLLY DRIVE BONAIRE, GA 31005 | AFLAC | $92 | $0 | $92 | 0.56% |
| ALEXANDER A ARTMAN3 Filed as: ALEXANDER A. ARTMAN | 102 POINTE VIEW DRIVE MARS, PA 16046 | AFLAC | $72 | $0 | $72 | 0.44% |
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 | 308 | 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) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 733 | $175K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 733 | $175K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 440 | $86K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 440 | $86K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 440 | $86K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 440 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 733 | — |
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.