| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES, INC. | 3800 N. CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 850121979 | KANAWHA INSURANCE COMPANY | $14K | — | $14K | 8.13% |
| PAULINE F. RODRIGUEZ3 | 10000 MEMORIALS DR. SUITE 800 HOUSTON, TX 770243419 | KANAWHA INSURANCE COMPANY | $10K | — | $10K | 5.81% |
| DONALD J FECHTER3 Filed as: DONALD J. FECHTER | 2450 S. STEARMAN DRIVE SUITE 110 CHANDLER, AZ 85286 | KANAWHA INSURANCE COMPANY | — | $2K | $2K | 1.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | SERVICES 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 752511800 | KANAWHA INSURANCE COMPANY | $311 | — | $311 | 0.19% |
| THE FARMINGTON COMPANY3 Filed as: THE FARMINGTON CO. | P.O. BOX 527 FARMINGTON, CT 060340527 | KANAWHA INSURANCE COMPANY | $156 | — | $156 | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES, INC. | 3800 N. CENTRAL AVE. 9TH FLOOR PHOENIX, AZ 850121979 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 13.66% |
| PAULINE F. RODRIGUEZ3 | 2660 HIGHWAY 231 S SHELBYVILLE, TN 371606651 | MANHATTAN LIFE | $337 | — | $337 | 3.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES, INC. | 3800 N. CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 850121979 | MANHATTAN LIFE | $228 | — | $228 | 2.61% |
| THE FARMINGTON COMPANY3 Filed as: THE FARMINGTON CO. | P.O. BOX 527 FARMINGTON, CT 060340527 | MANHATTAN LIFE | $20 | — | $20 | 0.23% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR. SUITE 400S DALLAS, TX 752511800 | MANHATTAN LIFE | $8 | — | $8 | 0.09% |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 22 | $175K |
| Short-term disability(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 22 | $175K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 72 | $39K |
| Other | KANAWHA INSURANCE COMPANY | 2 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72 | — |
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.