| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $38K | $38K | 4.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 3.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 10 SOUTH WACKER DRIVE, 17TH FLOOR CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 25 BULL STREET, 4TH FLOOR SAVANNAH, GA 31401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 201629 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 30001 TAMPA, FL 33601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.83% |
| GINA GEIGER ENTERPRISES LLC3 Filed as: GINA GEIGER ENTERPRISES, LLC | 2717 MIAMISBURG CENTERVILLE ROAD SUITE 215 DAYTON, OH 45459 | AFLAC | $37 | — | $37 | 2.00% |
| MARY BARTLEIN3 Filed as: MARY BARTLEINGINA GEIGER ENTERPRISE | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $34 | — | $34 | 1.84% |
| MJ INSURANCE3 Filed as: JULIE M. SMITH AND VARIOUS AGENTS | 2717 MIAMISBURG CENTERVILLE ROAD DAYTON, OH 45459 | AFLAC | $28 | — | $28 | 1.51% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES, LLC | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | AFLAC | $20 | — | $20 | 1.08% |
| LINDA ANKNEY3 | 4901 COUNTRY PARK DRIVE TIPP CITY, OH 45371 | AFLAC | $9 | — | $9 | 0.49% |
| BRIAN J DAY3 Filed as: BRIAN J. DAY | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $9 | — | $9 | 0.49% |
| BARTLEIN AND ASSOCIATES INC3 Filed as: BARTLEIN AND ASSOCIATES, INC. | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC | $6 | — | $6 | 0.32% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $846K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $76K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $76K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $28K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $874K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.