| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EMPLOYEE BENEFIT SERVICE CENTER3 | 4430 KANAWHA TURNPIKE SOUTH CHARLSTON, WA 25309 | GREENWICH INSURANCE COMPANY | — | $11K | $11K | 16.09% |
| RANKIN & RANKIN3 | 806 MARKET STREET ZANESVILLE, OH 43702 | GREENWICH INSURANCE COMPANY | $8K | — | $8K | 11.76% |
| QUALITY CARE PARTNERS3 | 2806 BELL STREET ZANESVILLE, OH 43701 | GREENWICH INSURANCE COMPANY | — | $5K | $5K | 6.73% |
| RANKIN & RANKIN3 Filed as: RANKIN & RANKIN, INC | 806 MARKET STREET ZANESVILLE, OH 43701 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.46% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GREENWICH INSURANCE COMPANY | 161 | $70K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $31K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $31K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $31K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $31K |
| Stop-loss / reinsurancereinsurance | GREENWICH INSURANCE COMPANY | 161 | $70K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.