| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PARTNERS AGENCY INC3 Filed as: INSURANCE PARTNERS AGENCY LLC | 2950 W MARKET ST AKRON, OH 44333 | MEDICAL MUTUAL | $34K | $5 | $34K | 5.09% |
| INSURANCE PARTNERS AGENCY INC3 | 26865 CENTER RIDGE RD WESTLAKE, OH 441454042 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $14K | $26K | 19.74% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY W LAKE HILLS, TX 787466446 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 3.64% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 93 | $675K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 206 | $133K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 206 | $133K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 206 | $133K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 206 | $133K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 206 | $133K |
| Prescription drug | MEDICAL MUTUAL | 93 | $675K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.