| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANET LYNN HORSTMAN3 Filed as: JANET HORSTMAN | 285 GLENWORTH COURT POWELL, OH 43065 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 4.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 W OLD WILSON BRIDGE ROAD, SUITE WORTHINGTON, OH 43085 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 0.90% |
| JANET LYNN HORSTMAN3 | 285 GLENWORTH COURT POWELL, OH 43065 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 9.90% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $9K | 5.45% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $885K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $172K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $172K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $172K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $172K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.