| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRS GROUP LTD3 | 3988 MILES AVENUE NW CANTON, OH 44718 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $65K | $66K | 2.97% |
| BENEFITS & INSURANCE SOLUTIONS, LLC3 | 3988 MILES AVENUE NW CANTON, OH 44718 | AULTCARE INSURANCE COMPANY | $19K | $0 | $19K | 1.84% |
| DAWSON CONSULTING GROUP, LLC3 Filed as: DAWSON CONSULTING GROUP LLC | 1340 DEPOT ST, SUITE 300 ROCKY RIVER, OH 44116 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 4.15% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE, SUITE 11 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $128 | $128 | 0.05% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $505 | $6K | 10.84% |
| BRS GROUP LTD3 | 3988 MILES AVENUE NW CANTON, OH 44718 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 9.96% |
| BRS GROUP LTD3 Filed as: BRS GROUP | 3988 MILES AVE NW CANTON, OH 44718 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.28% |
| BRS GROUP LTD3 | 3988 MILES AVENUE NW CANTON, OH 44718 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.45% |
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 | 361 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 222 | $3.3M |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 230 | $2.3M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 340 | $249K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 220 | $24K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 340 | $249K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 340 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.