| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRS GROUP LTD | 3988 MILES AVEUE NW CANTON, OH 44718 | COMMUNITY INSURANCE (4) | — | — | $0 | 0.00% |
| ANTHONY JOSEPH MOTTER Filed as: ANTHONY M LLOYD INC | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 33.02% |
| BRS GROUP LTD | 3988 MILES AVENUE NW CANTON, OH 44718 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 30.90% |
| BRS GROUP LTD | 3988 MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF AMERICA(3) | $747 | — | $747 | 5.00% |
| BRS GROUP LTD | 3988 MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF AMERICA(1) | $563 | — | $563 | 9.19% |
| BRS GROUP LTD | 3988 MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF AMERICA(2) | $37 | — | $37 | 4.95% |
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 | 88 | 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) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 31 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA(3) | 88 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA(1) | 88 | $6K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE (4) | 88 | $81K |
| Other | LIFE INSURANCE COMPANY OF AMERICA(2) | 88 | $747 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.