| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAN ZANDT EMRICH & CARY, INC.3 | PO BOX 99565 LOUISVILLE, KY 40269 | HUMANA HEALTH PLAN, INC. | $23K | $4K | $28K | 4.43% |
| VAN ZANDT EMRICH & CARY, INC.3 | 12401 PLANTSIDE DRIVE LOUISVILLE, KY 40299 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 10.33% |
| LIFETIME FINANCIAL GROWTH CO OF OHI3 Filed as: LIFETIME FIN GROWTH CO OF OHIO | 244 BOULEVARD OF THE ALLIES PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $78 | — | $78 | 0.11% |
| VAN ZANDT EMRICH & CARY, INC.3 | PO BOX 99565 LOUISVILLE, KY 40269 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.07% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 101 | $622K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $69K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $69K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $47K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $47K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.