| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WISEMAN AGENCY INC.3 Filed as: WISEMAN AGENCY INC. | 451 2ND AVE GALLIPOLIS, OH 45631 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 0.78% |
| THE WISEMAN AGENCY INC.3 Filed as: THE WISEMAN AGENCY | 451 2ND AVE GALLIPOLIS, OH 45631 | SUPERIOR DENTAL CARE, INC. | $52K | — | $52K | 7.33% |
| THE WISEMAN AGENCY INC.3 | PO BOX 359 GALLIPOLIS, OH 45631 | VISION SERVICE PLAN | $18K | — | $18K | 3.68% |
| VARIOUS - SEE ATTACHED3 | 100 JACKSON PIKE GALLIPOLIS, OH 45631 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $100K | $10K | $111K | 30.19% |
| THE WISEMAN AGENCY INC.3 Filed as: THE WISEMAN AGENCY, INC | PO BOX 359 GALLIPOLIS, OH 45631 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 20.26% |
| THE WISEMEN AGENCY INC3 | PO BOX 359 GALLIPOLIS, OH 45631 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 5.85% |
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 | 2,240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE, INC. | 3,039 | $710K |
| Vision | VISION SERVICE PLAN | 1,470 | $491K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,695 | $2.1M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,695 | $2.0M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,695 | $2.4M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,695 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,039 | — |
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.