| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRADY ENTERPRISES INC3 Filed as: GRADY ENTERPRISES | 515 EAST MOUND ST COLUMBUS, OH 43215 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 12.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER, INC. | 3931 S DIXIE DR MORAINE, OH 45439 | VISION SERVICE PLAN | $635 | — | $635 | 5.92% |
| GRADY ENTERPRISES INC3 Filed as: GRADY ENTERPRISES | 515 EAST MOUND ST COLUMBUS, OH 43215 | VISION SERVICE PLAN | $503 | — | $503 | 4.69% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 100 | $11K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 199 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.