| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $53K | $53K | 4.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 203383 DALLAS, TX 75320 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 5.01% |
| GINA GEIGER ENTERPRISES LLC3 | 6680 POE AVENUE SUITE 400 DAYTON, OH 45414 | AFLAC | $44 | $0 | $44 | 2.16% |
| MARY BARTLEIN3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $36 | $0 | $36 | 1.77% |
| JERRY PERRY RUBIN3 Filed as: JERRY RUBIN AND OTHER AGENTS | 69 MUIRFIELD DRIVE BLUFFTON, SC 29909 | AFLAC | $33 | $0 | $33 | 1.62% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | AFLAC | $24 | $0 | $24 | 1.18% |
| LINDA ANKNEY3 Filed as: LINDA ANKENY | 4901 COUNTRY PARK DRIVE TIPP CITY, OH 45371 | AFLAC | $11 | $0 | $11 | 0.54% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $10 | $0 | $10 | 0.49% |
| BARTLEIN AND ASSOCIATES INC3 Filed as: BARTLEIN AND ASSOCIATES INC. | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC | $7 | $0 | $7 | 0.34% |
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS INC. | 26701 DUBLIN WOODS CIRCLE 2ND FLOOR BONITA SPRINGS, FL 34135 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 502.14% |
| INSUREYOURPEOPLE, LLC3 | 303 2ND STREET, NORTH TOWER SUITE 450 SAN FRANCISCO, CA 94107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $529 | $562 | $1K | 194.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $74 | $0 | $74 | 13.17% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 361 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 25 | $562 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 25 | $562 |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 208 | $35K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 208 | $35K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 361 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 361 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.