| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES OF FL | 700 SE CENTRAL PARKWAY STUART, FL 34994 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $82K | $89K | 4.88% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES OF FL | 700 SE CENTRAL PARKWAY STUART, FL 34994 | HARTFORD LIFE AND ACCIDENT | $16K | $0 | $16K | 10.00% |
| TINA LOUISE LARGER3 Filed as: TINA LARGER | 5116 STATE ROUTE 119 MINSTER, OH 45865 | AFLAC | $397 | $16 | $413 | 7.84% |
| MICHAEL MAGOTEAUX3 | 2250 CARDO ROAD FORT LORAMIE, OH 45845 | AFLAC | $135 | $4 | $139 | 2.64% |
| DAVID N MULLINS JR3 Filed as: DAVID MULLINS | 7840 LINWOOD ROAD BOWLING GREEN, OH 43402 | AFLAC | $49 | $54 | $103 | 1.95% |
| MICHAEL BECK3 | 2406 IVY AVENUE FORT MYERS, FL 33907 | AFLAC | $100 | $0 | $100 | 1.90% |
| MJ INSURANCE3 Filed as: KYLE DAFLER & VARIOUS AGENTS | 2431 HAWKINS ROAD RICHMOND, IN 47374 | AFLAC | $59 | $0 | $59 | 1.12% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH | 21397 LEHMAN ROAD DELPHOS, OH 45833 | AFLAC | $40 | $4 | $44 | 0.83% |
| DAWNY M GINTER3 Filed as: DAWNY GINTER | 615 SOUTH BARRON STREET EATON, OH 45320 | AFLAC | $27 | $0 | $27 | 0.51% |
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 | 404 | 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) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $1.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 404 | $161K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 404 | $161K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 404 | $161K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $1.8M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 404 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.