| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | PARTNERS MANAGING GENERAL UNDERWRITERS | $5K | — | $5K | 7.01% |
| BRS GROUP LTD3 Filed as: BRS GROUP | 3988 MILES AVENUE CANTON, OH 44718 | LIFE INSURANCE COMPANY OF AMERICA (3) | $300 | — | $300 | 5.00% |
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $241 | — | $241 | 8.01% |
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $223 | — | $223 | 8.02% |
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA (1) | — | — | $0 | 0.00% |
| BRS GROUP LTD3 Filed as: BRS GROUP LTS | 3988 MILES AVENUE NW CANTON, OH 44178 | METROPOLITAN LIFE INSURANCE COMPANY | $256 | — | $256 | 10.82% |
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF AMERICA (2) | $14 | — | $14 | 4.98% |
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 | 26 | 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) | 26 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA (3) | 22 | $6K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA (1) | 22 | $2K |
| Stop-loss / reinsurancereinsurance | PARTNERS MANAGING GENERAL UNDERWRITERS | 22 | $67K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 22 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.