| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EMPLOYEE BENEFIT SERVICE CENTER3 | 4430 KANAWHA TURNPIKE SOUTH CHARLESTON, WV 25309 | GERBER LIFE INSUARANCE COMPANY | — | $16K | $16K | 15.62% |
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED BENEFITS | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | GERBER LIFE INSUARANCE COMPANY | $15K | — | $15K | 14.32% |
| MEDICAL MUTUAL OF OHIO3 | PO BOX 632328 CINCINNATI, OH 45263 | GERBER LIFE INSUARANCE COMPANY | — | $9K | $9K | 8.31% |
| CLINIX HEALTHCARE3 | 3492 SNOUFFER ROAD SUITE 200 COLUMBUS, OH 43235 | GERBER LIFE INSUARANCE COMPANY | — | $1K | $1K | 1.31% |
| ACCELERATED FINANCIAL PLANNING3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | — | $7K | 10.30% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $68K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $68K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $68K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSUARANCE COMPANY | 49 | $105K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.