| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS & INSURANCE SOLUTIONS, LLC3 | 3988 MILES AVENUE NW CANTON, OH 44718 | AULTCARE INSURANCE COMPANY | $37K | — | $37K | 1.71% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | AULTCARE INSURANCE COMPANY | $17K | — | $17K | 0.78% |
| LINDA WELLS3 | 3988 MILES AVE NW CANTON, OH 447182858 | AMFIRST | $41K | — | $41K | 10.02% |
| TIFFANY STILLER3 | 12404 PARK CENTRAL DRIVE, STE. 400S DALLAS, TX 75251 | AMFIRST | $13K | — | $13K | 3.14% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE LIMITED D/B/A MWG | P.O BOX 14067 JACKSON, MS 392364067 | AMFIRST | $10K | — | $10K | 2.50% |
| NICK HUMBLE3 | P.O BOX 14067 JACKSON, MS 392364067 | AMFIRST | $10K | — | $10K | 2.50% |
| TYKE SPENCER3 | 700 W 47TH ST., STE 1100 KANSAS CITY, MO 64112 | AMFIRST | $8K | — | $8K | 1.98% |
| BENEFIT RELATED SERVICES3 Filed as: BENEFIT RELATED SERVICES GROUP | 3988 MILES AVE NW CANTON, OH 447182858 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | — | $50K | 14.27% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $15K | $31K | 9.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | 0.01% |
| BRS GROUP LTD3 | 3988 MILES AVENUE NW CANTON, OH 44718 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.78% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.22% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AULTCARE INSURANCE COMPANY | 492 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $347K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $347K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $347K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $347K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $347K |
| Other(3 contracts, 3 carriers) | AMFIRST | 492 | $780K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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."
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.