| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IOA - INSURANCE OFFICE OF AMERICA3 Filed as: IOA RE | 190 W GERMANTOWN PIKE, SUITE 200 EAST NORRITON, PA 19401 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | — | $383K | $383K | 364.09% |
| THE EMPLOYEE BENEFIT SERVICE CENTER5 | 4430 KANAWHA TURNPIKE SOUTH CHARLESTON, WV 25309 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | — | $58K | $58K | 54.75% |
| GARLOW INSURANCE AGENCY INC3 Filed as: GARLOW INSURANCE AGENCY | 1217 QUARIER ST CHARLESTON, WV 25301 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | — | $43K | $43K | 41.04% |
| S&S HEALTHCARE5 | 1385 KEMPER MEADOW DR CINCINNATI, OH 45240 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | — | $34K | $34K | 32.04% |
| RYAN FITZER3 | PO BOX 5052 CHARLESTON, WV 25361 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 7.50% |
| CLINIX HEALTHCARE5 | 3492 SNOUFFER ROAD, SUITE 200 COLUMBUS, OH 43235 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | — | $7K | $7K | 6.59% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 5.01% |
| GARLOW INSURANCE AGENCY INC3 Filed as: GARLOW INSURANCE AGENCY | PO BOX 5052 CHARLESTON, WV 25361 | GUARDIAN INSURANCE COMPANY | $8K | — | $8K | 7.38% |
| GARLOW INSURANCE AGENCY INC3 Filed as: GARLOW INSURANCE AGENCY | PO BOX 5052 CHARLESTON, WV 25361 | GUARDIAN INSURANCE COMPANY | — | $402 | $402 | 0.39% |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | 299 | $105K |
| Dental | GUARDIAN INSURANCE COMPANY | 202 | $104K |
| Life insurance | GUARDIAN INSURANCE COMPANY | 202 | $104K |
| Other | GUARDIAN INSURANCE COMPANY | 202 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.