| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS S FARRO3 | 291 NORTH CLEVELAND MASSILLON ROAD AKRON, OH 44333 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.58% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.08% |
| THOMAS S FARRO3 | 291 NORTH CLEVE MASSILLON ROAD SUITE 100 AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| THOMAS S FARRO3 Filed as: THOMAS FARRO | 291 NORTH CLEVE MASS ROAD SUITE 100 AKRON, OH 44333 | VISION SERVICE PLAN | $918 | — | $918 | 6.19% |
| THOMAS S FARRO3 | 291 NORTH CLEVE MASSILLON ROAD SUITE 100 AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| THOMAS S FARRO3 | 291 NORTH CLEVE MASSILLON ROAD SUITE 100 AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| THOMAS S FARRO3 | 291 NORTH CLEVE MASSILLON ROAD SUITE 100 AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $597 | — | $597 | 10.00% |
| THOMAS S FARRO3 | 291 NORTH CLEVE MASSILLON ROAD SUITE 100 AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $740 | — | $740 | 15.01% |
| THOMAS S FARRO3 | 291 NORTH CLEVE MASSILLON ROAD SUITE 100 AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $212 | — | $212 | 10.00% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 136 | $71K |
| Vision | VISION SERVICE PLAN | 144 | $15K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $99K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $86K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 136 | $85K |
| Other(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.