| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESERVE NATIONAL INSURANCE COMPANY3 | 601 E BRITTON RD OKLAHOMA CITY, OK 73114 | COMPANION LIFE INSURANCE | $5K | — | $5K | 4.42% |
| AMERICAN INSURANET AGENCY INC3 Filed as: AMERICAN INSURANET AGENCY | 644 LINN STREET STE 100 CINCINNATI, OH 45203 | COMPANION LIFE INSURANCE | $5K | — | $5K | 3.99% |
| CLIFFORD BELL3 | 644 LINN STREET STE 100 CINCINNATI, OH 45203 | COMPANION LIFE INSURANCE | $2K | — | $2K | 1.33% |
| DILLOW FLITTNER & HOFMANN INS BNFTS3 Filed as: DILLOW, FLITTNER & HORMAN INS BENEF | 3000 DIVISION ST EVANSVILLE, IN 47711 | COMPANION LIFE INSURANCE | $2K | — | $2K | 1.33% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE | 207 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.