| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | PARTNERS MANAGING GENERAL UNDERWRITERS | $312 | — | $312 | 7.01% |
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF AMERICA (3) | $33 | — | $33 | 5.41% |
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17 | $6 | $23 | 10.65% |
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17 | $5 | $22 | 10.58% |
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF AMERICA (1) | — | — | $0 | 0.00% |
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF AMERICA (2) | $2 | — | $2 | 7.14% |
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 | 2 | 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) | 2 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA (3) | 2 | $610 |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA (1) | 2 | $174 |
| Stop-loss / reinsurancereinsurance | PARTNERS MANAGING GENERAL UNDERWRITERS | 2 | $4K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2 | $452 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2 | — |
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.