| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FARRO-CREA GENERAL PARTNERSHIP3 | 6480 ROCKSIDE WOODS BLVD S SUITE 210 INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $14K | 4.97% |
| BENEFITS RESOURCE GROUP3 | 6480 ROCKSIDE WOODS BLVD S SUITE 210 INDEPENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | $8 | $19 | 0.01% |
| FARRO-CREA GENERAL PARTNERSHIP3 | 6480 ROCKSIDE WOODS BLVD S SUITE 210 INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $425 | $9K | 14.44% |
| BENEFITS RESOURCE GROUP3 | 6480 ROCKSIDE WOODS BLVD S SUITE 210 INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $771 | $39 | $810 | 1.31% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | — |
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 | 302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $0 |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $338K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $0 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.