| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RANKIN & RANKIN3 Filed as: RANKIN & RANKIN, INC | PO BOX 2547 ZANESVILLE, OH 43701 | PAN-AMERICAN/ECU | $39K | $116K | $155K | 41.09% |
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED BENEFITS SVC AGCY INC | PO BOX 868 DELAWARE, OH 43015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $39K | $8K | $47K | 19.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 45439 | COMMUNITY INSURANCE COMPANY | $7K | $1K | $8K | 4.25% |
| RANKIN & RANKIN3 Filed as: RANKIN & RANKIN INC | PO BOX 2547 ZANESVILLE, OH 43702 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 0.60% |
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 | 345 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN-AMERICAN/ECU | 227 | $378K |
| Dental(2 contracts) | COMMUNITY INSURANCE COMPANY | 543 | $193K |
| Vision | COMMUNITY INSURANCE COMPANY | 543 | $193K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 348 | $242K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 348 | $242K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 348 | $242K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN/ECU | 227 | $378K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 348 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.