| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $39K | $39K | 3.68% |
| HAUSER INC3 Filed as: HAUSER INSURANCE INC | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $20K | $20K | 1.91% |
| BROWN & BROWN INSURANCE SERVICES3 | 220 S RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 3.52% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 1.35% |
| BROWN & BROWN INSURANCE SERVICES3 | 1605 CONCENTRIC BLVD, SUITE 2 SAGINAW, MI 48604 | GUARDIAN | $13K | $844 | $13K | 10.28% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | GUARDIAN | $3K | $6K | $9K | 6.94% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | GUARDIAN | $5K | — | $5K | 3.69% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $2K | — | $2K | 1.31% |
| BROWN & BROWN INSURANCE SERVICES3 | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | ARAG INSURANCE COMPANY | $207 | — | $207 | 6.50% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | ARAG INSURANCE COMPANY | $112 | — | $112 | 3.52% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $1.3M |
| Dental | GUARDIAN | 157 | $130K |
| Vision | GUARDIAN | 157 | $130K |
| Life insurance | GUARDIAN | 157 | $130K |
| Short-term disability | GUARDIAN | 157 | $130K |
| Long-term disability | GUARDIAN | 157 | $130K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 157 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.