| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EMPLOYEE BENEFIT SERVICE CENTER5 | 4430 KANAWHA TURNPIKE SOUTH CHARLESTON, WV 25309 | GERBER LIFE INSURANCE COMPANY | — | $40K | $40K | 13.56% |
| GARLOW INSURANCE AGENCY INC3 Filed as: GARLOW INSURANCE AGENCY | 1217 QUARIER ST CHARLESTON, WV 25301 | GERBER LIFE INSURANCE COMPANY | $26K | — | $26K | 8.71% |
| S&S HEALTHCARE5 | 1385 KEMPER MEADOW DR CINCINNATI, OH 45240 | GERBER LIFE INSURANCE COMPANY | — | $25K | $25K | 8.43% |
| QUALITY CARE PARTNERS5 | 33 SOUTH 5TH ST ZANESVILLE, OH 43701 | GERBER LIFE INSURANCE COMPANY | — | $12K | $12K | 4.01% |
| GARLOW INSURANCE AGENCY INC3 Filed as: GARLOW INSURANCE AGENCY | 1217 QUARIER ST CHARLESTON, WV 25361 | GUARDIAN INSURANCE COMPANY | $8K | — | $8K | 9.12% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN INSURANCE COMPANY | $4K | — | $4K | 5.00% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE INSURANCE COMPANY | 177 | $295K |
| Dental | GUARDIAN INSURANCE COMPANY | 172 | $87K |
| Life insurance | GUARDIAN INSURANCE COMPANY | 172 | $87K |
| Other | GUARDIAN INSURANCE COMPANY | 172 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.