| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 120 RAILWAY AVE. HOLGATE, OH 43527 | TRUSTMARK LIFE INSURANCE COMPANY | $29K | — | $29K | 13.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | PO BOX 367 HOLGATE, OH 43527 | DELTA DENTAL | $1K | — | $1K | 2.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO, LLC | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | DELTA DENTAL | $751 | — | $751 | 1.65% |
| CBISA REACQUISITION CORP3 Filed as: CBISA REACQUISITION CORP. | 2101 FLORENCE AVE. CINCINNATI, OH 45206 | KANAWHA INSURANCE COMPANY | $3K | $2K | $4K | 34.24% |
| HUMANA MARKETPOINT INC3 Filed as: HUMANA MARKETPOINT INC. | 500 W MAIN NCT 28 LOUISVILLE, KY 40202 | KANAWHA INSURANCE COMPANY | $163 | — | $163 | 1.29% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRUSTMARK LIFE INSURANCE COMPANY | 130 | $225K |
| Dental | DELTA DENTAL | 195 | $45K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 26 | $13K |
| Prescription drug | TRUSTMARK LIFE INSURANCE COMPANY | 130 | $225K |
| Stop-loss / reinsurancereinsurance | TRUSTMARK LIFE INSURANCE COMPANY | 130 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.