| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED EMPLOYEE BENEFITS LLC3 | 925 NORTH STATE STREET SUITE 200 WESTERVILLE, OH 43082 | MEDICAL MUTUAL OF OHIO | $44K | — | $44K | 5.20% |
| ASSOCIATED EMPLOYEE BENEFITS LLC3 | 925 NORTH STATE STREET SUITE 200 WESTERVILLE, OH 43082 | STANDARD INSURANCE COMPANY | $6K | $182 | $6K | 10.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTER DRIVE SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| ASSOCIATED EMPLOYEE BENEFITS LLC3 | 925 NORTH STATE STREET SUITE 200 WESTERVILLE, OH 43082 | STANDARD INSURANCE COMPANY | $2K | $294 | $3K | 8.12% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.06% |
| ASSOCIATED EMPLOYEE BENEFITS LLC3 | 925 NORTH STATE STREET SUITE 200 WESTERVILLE, OH 43082 | STANDARD INSURANCE COMPANY | $2K | $287 | $3K | 8.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ASSOCIATED EMPLOYEE BENEFITS LLC3 | 925 NORTH STATE STREET SUITE 200 WESTERVILLE, OH 43082 | STANDARD INSURANCE COMPANY | $4K | $275 | $5K | 19.03% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.99% |
| ASSOCIATED EMPLOYEE BENEFITS LLC3 | 925 NORTH STATE STREET SUITE 200 WESTERVILLE, OH 43082 | STANDARD INSURANCE COMPANY | $3K | $194 | $3K | 14.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| ASSOCIATED EMPLOYEE BENEFITS LLC3 Filed as: ASSOCIATED EMPLOYEE BENEFITS, LLC. | 925 NORTH STATE STREET SUITE 200 WESTERVILLE, OH 43082 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.92% |
| ASSOCIATED EMPLOYEE BENEFITS LLC3 Filed as: ASSOCIATED EMPLOYEE BENEFITS | 63 COMMERCE PARK DRIVE WESTERVILLE, OH 43082 | HEALTHIEST YOU C/O TELADOC HEALTH INC | $2K | — | $2K | 15.00% |
| ASSOCIATED EMPLOYEE BENEFITS LLC3 | 925 NORTH STATE STREET SUITE 200 WESTERVILLE, OH 43082 | STANDARD INSURANCE COMPANY | $293 | $18 | $311 | 10.60% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTER DRIVE SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $147 | — | $147 | 5.01% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 92 | $848K |
| Dental | STANDARD INSURANCE COMPANY | 94 | $59K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 182 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 107 | $33K |
| Short-term disability | STANDARD INSURANCE COMPANY | 107 | $32K |
| Long-term disability | STANDARD INSURANCE COMPANY | 107 | $22K |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 109 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.