| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD3 | 9999 BREWSTER LN POWELL, OH 430657572 | AETNA LIFE INSURANCE CO. | $18K | — | $18K | 0.30% |
| RONALD RAFAL3 | 9999 BREWSTER LN POWELL, OH 430657572 | AMERITAS LIFE INSURANCE CORP | $6K | — | $6K | 10.00% |
| RONALD RAFAL3 | 5 BRANDON COURT MORELAND HILLS, OH 44022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $645 | — | $645 | 1.65% |
| RONALD RAFAL3 | 5 BRANDON COURT MORELAND HILLS, OH 44022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $395 | — | $395 | 1.42% |
| RONALD RAFAL3 | 5 BRANDON COURT MORELAND HILLS, OH 44022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 18.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 SADDLE BROOK, NJ 07663 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $253 | — | $253 | 1.52% |
| RONALD RAFAL3 | 5 BRANDON COURT MORELAND HILLS, OH 44022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $709 | — | $709 | 12.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 SADDLE BROOK, NJ 07663 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $88 | — | $88 | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE CO OF NEW YORK | $7 | — | $7 | 17.07% |
| RONALD RAFAL3 | 5 BRANDON COURT MORELAND HILLS, OH 44022 | CIGNA LIFE INSURANCE CO OF NEW YORK | $6 | — | $6 | 14.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REDTAIL LTD NONE | Insurance agents and brokers Service code 22 | 9999 BREWSTER LANE POWELL, OH 43065 | $232K |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,285 | $6.1M |
| Dental | AETNA LIFE INSURANCE CO. | 1,285 | $6.1M |
| Vision | AMERITAS LIFE INSURANCE CORP | 590 | $65K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 284 | $39K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 244 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 153 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,285 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.