| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRINITY EMPLOYEE BENEFITS LLC3 | 10713 W. SAM HOUSTON PKWY SUITE 100 HOUSTON, TX 77064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| MCCLUSKEY INSURANCE LLC3 Filed as: MCCLUSKEY INS. SERVICES LLC | 9162 UNION CEMETERY RD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.66% |
| MELISSA GOLDSCHMIDT3 | 7423 VICTORIA FALLS AVE MAINEVILLE, OH 45039 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.39% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.99% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $628 | — | $628 | 0.55% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.03% |
| DON C. SCHMITT3 Filed as: DON C SCHMITT | 11955 STONEMARK LN LOVELAND, OH 45150 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC | 7438 JAGER CT CINCINNATI, OH 45230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $433 | $5K | 9.86% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD. STE. 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.35% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 17 | $11K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 60 | $126K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 60 | $169K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 60 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60 | — |
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.