| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANCE & ASSOCIAETS, INC.3 Filed as: FRANCE AND ASSOCIATES INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 5.80% |
| ACCELERATED FINANCIAL PLANNING3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 4.62% |
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED BENEFITS | 5880 VENTURE DRIVE DUBLIN, OH 43017 | GERBER LIFE INSUARANCE COMPANY | $11K | — | $11K | 17.86% |
| MEDICAL MUTUAL OF OHIO3 | PO BOX 632328 CINCINNATI, OH 45263 | GERBER LIFE INSUARANCE COMPANY | — | $7K | $7K | 12.17% |
| POLARIS BENEFIT ADMINISTRATORS3 | PO BOX 2010 WESTERVILLE, OH 43086 | GERBER LIFE INSUARANCE COMPANY | — | $7K | $7K | 11.02% |
| THE EMPLOYEE BENEFIT SERVICE CENTER3 | 4430 KANAWHA TURNPIKE SOUTH CHARLESTON, WV 25309 | GERBER LIFE INSUARANCE COMPANY | — | $6K | $6K | 9.78% |
| AMERICAN HEALTH HOLDING3 | 7400 WEST CAMPUS ROAD F-150 NEW ALBANY, OH 43054 | GERBER LIFE INSUARANCE COMPANY | — | $661 | $661 | 1.11% |
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 | 125 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 109 | $73K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 109 | $73K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 109 | $73K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSUARANCE COMPANY | 38 | $59K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 109 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.