| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCINTURF-FULMER INSURANCE GROUP3 Filed as: MCINTURF FULMER INSURANCE | PO BOX 2880 1100 BRANDYWINE BLVD BLDG F ZANESVILLE, OH 43702 | EAST COAST UNDERWRITERS | $26K | — | $26K | 10.01% |
| MEDICAL BENEFITS ADMINISTRATORS5 | 1975 TAMARACK ROAD NEWARK, OH 43055 | EAST COAST UNDERWRITERS | $13K | — | $13K | 5.01% |
| JAMES L MCINTURF | 2101 FLORENCE AVE CINCINNATI, OH 45206 | GUARDIAN | $10K | — | $10K | 9.10% |
| HARRISON BENEFIT SERVICES LLC | BOX 1431 KINGSTON, PA 18704 | GUARDIAN | — | $5K | $5K | 4.90% |
| HARRISON BENEFIT SERVICES LLC | BOX 1431 KINGSTON, PA 18704 | GUARDIAN | $1K | — | $1K | 1.13% |
| LIFETIME FINANCIAL GROWTH Filed as: LIFETIME FINANCIAL GROWTH CO | 419 PLUM ST CINCINNATI, OH 45202 | GUARDIAN | $156 | — | $156 | 0.15% |
| INDEPENDENCE PLANNING GROUP Filed as: INDEPENDENCE PLANNING GROUP LLC | 1767 SENTRY PKWY W BLUE BELL, PA 19422 | GUARDIAN | $42 | — | $42 | 0.04% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH CO | 419 PLUM ST CINCINNATI, OH 45202 | GUARDIAN | $9 | — | $9 | 0.01% |
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 | 77 | 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) | 77 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 130 | $106K |
| Vision | GUARDIAN | 130 | $106K |
| Life insurance | GUARDIAN | 130 | $106K |
| Short-term disability | GUARDIAN | 130 | $106K |
| Long-term disability | GUARDIAN | 130 | $106K |
| Stop-loss / reinsurancereinsurance | EAST COAST UNDERWRITERS | 124 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.