| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCH, MALINDA3 | 1776 WESTWARD DR WADSWORTH, OH 44281 | COMMUNITY INSURANCE COMPANY | $14K | — | $14K | 2.78% |
| BROKERNET INC3 | 110 NORTHWOODS BLVD STE C COLUMBUS, OH 43235 | COMMUNITY INSURANCE COMPANY | $0 | $5K | $5K | 0.98% |
| MALINDA S OCH3 Filed as: MALINDA SUSANNE OCH | 387 MEDINA RD STE 500 MEDINA, OH 442569674 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.40% |
| BUSINESS UNDERWRITERS ASSOCIATES3 Filed as: BUSINESS UNDERWRITERS ASSOC | AGENCY INC 3600 EMBASSY PKWY STE 100 AKRON, OH 443338337 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| MALINDA S OCH3 Filed as: MALINDA OCH | 387 MEDINA RD STE 500 MEDINA, OH 442569674 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.37% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 237 | $515K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $91K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 237 | $606K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $174K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 186 | $83K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 186 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.