| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRS GROUP LTD | 3988 MILES AVENUE NW CANTON, OH 44718 | COMMUNITY INSURANCE(4) | — | — | $0 | 0.00% |
| ANTHNOY M LLOYD INC | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 32.91% |
| BRS GROUP LTD | 3988 MILES AVENUE NW CANTON, OH 44718 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 30.82% |
| BRS GROUP LTD | 3988 MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF AMERICA(3) | $170 | — | $170 | 5.01% |
| BRS GROUP LTD | 3988 MILES AVENUE CANTON, OH 44218 | LIFE INSURANCE COMPANY OF NORTH AMERICA(1) | $128 | — | $128 | 9.20% |
| BRS GROUP LTD | 3988 MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF AMERICA(2) | $8 | — | $8 | 4.71% |
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 | 20 | 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) | 20 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA(3) | 20 | $3K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 9 | $5K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA(1) | 20 | $1K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE(4) | 20 | $18K |
| Other | LIFE INSURANCE COMPANY OF AMERICA(2) | 20 | $170 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20 | — |
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.