| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFACTOR INS GROUP INC3 Filed as: BENEFACTOR INSURANCE GROUP INC. | 2165 CARTER AVENUE ASHLAND, KY 41101 | VISION SERVICE PLAN | $828 | — | $828 | 6.74% |
| CYNTHIA PRESTON3 | P.O. BOX 1239 BARBOURSVILLE, WV 25504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY DBA ALLSTATE | $151 | — | $151 | 7.96% |
| DAVID WILSON3 | 2241 WATERVIEW DRIVE, UNIT 336 N. MYRTLE BEACH, SC 29582 | AMERICAN HERITAGE LIFE INSURANCE COMPANY DBA ALLSTATE | $25 | — | $25 | 1.32% |
| CYNTHIA PRESTON3 | P.O. BOX 1239 BARBOURSVILLE, WV 25504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 7.98% |
| DAVID WILSON3 | 2241 WATERVIEW DRIVE UNIT 336 N. MYRTLE BEACH, SC 29582 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 1.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPERT BENEFIT SOLUTIONS CONTRACT ADMINISTRATOR | Claims processing; Direct payment from the plan; Contract Administrator; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 2145 FORD PKWY, SUITE 200 ST. PAUL, MN 55116 | $53K |
| LEIF CLARKE WEALTH MANAGEMENT BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2165 CARTER AVE ASHLAND, KY 41101 | $30K |
| KNIGHTSBRIDGE UNDERWRITING EIN 41-1573301 NONE | Insurance services; Insurance brokerage commissions and fees Service code 23 | — | $16K |
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 | 89 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 166 | $12K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY DBA ALLSTATE | 12 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.