| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD3 | 9999 BREWSTER LN #100 POWELL, OH 43065 | COMMUNITY INSURANCE COMPANY | $820 | $10K | $11K | 10.03% |
| REDTAIL LTD3 | 9999 BREWSTER LN #100 POWELL, OH 43065 | GUARDIAN | $9K | $0 | $9K | 13.00% |
| LIFETIME FINANCIAL GROWTH3 | CO OHIO LLC 419PLUM ST STE 100 CINCINNATI, OH 45202 | GUARDIAN | $174 | $0 | $174 | 0.26% |
| B&G PENSION AND INSURANCE SERVICES3 Filed as: B&G PENSION & INSURANCE SVCS | 18010 SKY PARK CIRCLE, SUITE 245 IRVINE, CA 92614 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY (G1728) EIN 31-1440175 CONTRACT ADMINSTRATOR | Float revenue; Other fees; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $101K |
| REDTAIL LTD CONTRACT ADMINISTRATOR | Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 9999 BREWSTER LN #100, POWELL, OH 43065 | $60K |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY (G1728) | 132 | $415K |
| Dental | COMMUNITY INSURANCE COMPANY | 124 | $109K |
| Vision | VISION SERVICE PLAN | 132 | $19K |
| Life insurance | GUARDIAN | 74 | $67K |
| Short-term disability | GUARDIAN | 74 | $67K |
| Long-term disability | GUARDIAN | 74 | $67K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY (G1728) | 132 | $348K |
| Other | GUARDIAN | 74 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.