| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF FLORIDA, INC. | 700 SE CENTRAL PARKWAY STUART, FL 34994 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $111K | $120K | 4.22% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF FLORIDA, INC. | 700 SE CENTRAL PARKWAY STUART, GA 34994 | HARTFORD LIFE AND ACCIDENT | $20K | $0 | $20K | 10.86% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 3.43% |
| TINA LOUISE LARGER3 | 5116 STATE ROUTE 119 MINSTER, OH 45865 | AFLAC | $438 | $42 | $480 | 8.17% |
| DAVID N MULLINS JR3 Filed as: DAVID MULLINS JR | 7840 LINWOOD ROAD BOWLING GREEN, OH 43402 | AFLAC | $38 | $215 | $253 | 4.31% |
| MICHAEL R MAGOTEAUX3 Filed as: MICHAEL R. MAGOTEAUX | 7250 POE AVENUE, SUITE 130 DAYTON, OH 45414 | AFLAC | $169 | $10 | $179 | 3.05% |
| DAWNY M GINTER3 Filed as: DAWNY M. GINTER | 615 SOUTH BARRON STREET EATON, OH 45320 | AFLAC | $65 | $5 | $70 | 1.19% |
| MICHAEL BECK3 Filed as: MICHAEL J. BECK | 2406 IVY AVENUE FORT MYERS, FL 33907 | AFLAC | $64 | $0 | $64 | 1.09% |
| MJ INSURANCE3 Filed as: KYLE DAFLER AND VARIOUS AGENTS | 2431 HAWKINS ROAD RICHMOND, IN 47374 | AFLAC | $54 | $0 | $54 | 0.92% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH | 21397 LEHMAN ROAD DELPHOS, OH 45833 | AFLAC | $23 | $5 | $28 | 0.48% |
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 | 455 | 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) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 654 | $2.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 654 | $2.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 654 | $2.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 455 | $186K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 455 | $186K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 455 | $186K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 654 | $2.8M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 455 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.