| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOC., INC. | 23825 COMMERCE PK. STE. A BEACHWOOD, OH 441225837 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 5.90% |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOC., INC. | 23825 COMMERCE PK. STE. A BEACHWOOD, OH 441225837 | COMPBENEFITS INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOC., INC. | 23825 COMMERCE PK. STE. A BEACHWOOD, OH 441225837 | KANAWHA INSURANCE COMPANY | $531 | — | $531 | 14.99% |
| THE MCCLAIN GROUP LLC3 Filed as: THE MCCLAIN GROUP, LLC | PO BOX 882 CANONSBURG, PA 153170882 | KANAWHA INSURANCE COMPANY | $123 | — | $123 | 3.68% |
| TODD ASSOCIATES, INC.3 Filed as: TODD ASSOC., INC. | 23825 COMMERCE PK. STE. A BEACHWOOD, OH 441225837 | KANAWHA INSURANCE COMPANY | $89 | — | $89 | 2.67% |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 98 | $44K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 89 | $11K |
| Life insurance(2 contracts) | KANAWHA INSURANCE COMPANY | 111 | $7K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 4 | $3K |
| Other(2 contracts) | KANAWHA INSURANCE COMPANY | 111 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.