| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL AUTOMOTIVE UNDERWRITERS OF3 | P O BOX 7320 RENO, NV 89510 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P O BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | $0 | $4K | 4.32% |
| CENTRAL AUTOMOTIVE UNDERWRITERS OF3 | P O BOX 7320 RENO, NV 89510 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | $0 | $1K | 5.01% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P O BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | $0 | $1K | 4.24% |
| DILLON HEALTH, LLC3 Filed as: DILLON HEALTH | 329 FLINT ST RENO, NV 89501 | GUARDIAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 38.65% |
| CENTRAL AUTOMOTIVE UNDERWRITERS OF3 | P O BOX 7320 RENO, NV 89510 | AMERICAN FIDELITY ASSURANCE COMPANY | $547 | $0 | $547 | 3.09% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P O BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $234 | $0 | $234 | 1.32% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P O 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$66 | $0 | -$66 | -0.60% |
| CENTRAL AUTOMOTIVE UNDERWRITERS OF3 | P O BOX 7320 RENO, NV 89510 | AMERICAN FIDELITY ASSURANCE COMPANY | $486 | $0 | $486 | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P O BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $110 | $0 | $110 | 1.13% |
| CENTRAL AUTOMOTIVE UNDERWRITERS OF3 | P O BOX 7320 RENO, NV 89510 | AMERICAN FIDELITY ASSURANCE COMPANY | $349 | $0 | $349 | 5.01% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P O BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $78K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $22K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $8K |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 78 | $11K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 120 | $18K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 120 | $18K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 57 | $24K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 44 | $83K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 117 | $474K |
| Other(4 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 58 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.