| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD3 | 9999 BREWSTER LN #100 POWELL, OH 43065 | MEDICAL MUTUAL | $55K | $28K | $83K | 40.31% |
| REDTAIL LTD3 | 9999 BREWSTER LN #100 POWELL, OH 43065 | GUARDIAN | $7K | $6K | $13K | 13.14% |
| REDTAIL LTD3 | 9999 BREWSTER LN #100 POWELL, OH 43065 | GUARDIAN | $4K | $0 | $4K | 3.87% |
| REDTAIL LTD3 | 9999 BREWSTER LN #100 POWELL, OH 43065 | GUARDIAN | $7K | $0 | $7K | 7.51% |
| REDTAIL LTD3 | 9999 BREWSTER LN #100 POWELL, OH 43065 | GUARDIAN | $3K | $0 | $3K | 3.42% |
| REDTAIL LTD3 | 9999 BREWSTER LN #100 POWELL, OH 43065 | COMMUNITY INSURANCE COMPANY | $623 | $7K | $7K | 11.52% |
| 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% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | MEDICAL MUTUAL | 118 | $399K |
| Dental | COMMUNITY INSURANCE COMPANY | 97 | $64K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 116 | $115K |
| Life insurance(2 contracts) | GUARDIAN | 118 | $193K |
| Short-term disability(2 contracts) | GUARDIAN | 118 | $193K |
| Long-term disability(2 contracts) | GUARDIAN | 118 | $193K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL | 105 | $206K |
| Other(2 contracts) | GUARDIAN | 118 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.