| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES L MCINTURF3 | 963 ADAIR AVE PO BOX 550 ZANESVILLE, OH 43702 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.80% |
| LIFETIME FINANCIAL GROWTH CO O3 | 419 PLUM ST CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $84 | — | $84 | 0.38% |
| MCINTURF AND HARMON COMPANY LLC3 Filed as: THE MCINTURF & HARMON CO LLC | PO BOX 2880 ZANESVILLE, OH 43702 | SUN LIFE ASSURANCE COMPANY OF CANADA | $302 | — | $302 | 7.02% |
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED BENEFITS SERVICES AGCY IN | 611 S SANDUSKY ST DELAWARE, OH 43015 | SUN LIFE ASSURANCE COMPANY OF CANADA | $134 | — | $134 | 3.12% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS SERVICES INC | PO BOX 868 DELAWARE, OH 43015 | UNION SECURITY INSURANCE COMPANY | $207 | — | $207 | 10.06% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.