| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $17 | $7K | 8.48% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $801 | $3K | 3.89% |
| IMA, INC.3 Filed as: IMA, INC | 316 FIRST AVENUE 3RD FLOOR KITTANNING, PA 16201 | METROPOLITAN LIFE INSURANCE COMPANY | $793 | $0 | $793 | 1.00% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 4.86% |
| IMA, INC.3 Filed as: IMA, INC | PO BOX 2992 WICHITA, KS 67201 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 4.17% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $0 | $1K | 2.43% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $17 | $4K | 21.11% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF PENN LLC | 1301 GRANDVIEW AVE STE 400 PITTSBURGH, PA 15211 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $17 | $3K | 12.49% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $772 | $270 | $1K | 5.07% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $17 | $3K | 20.85% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF PENN LLC | 1301 GRANDVIEW AVE STE 400 PITTSBURGH, PA 15211 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $17 | $2K | 12.48% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $529 | $185 | $714 | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $17 | $2K | 21.32% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF PENN LLC | 1301 GRANDVIEW AVE STE 400 PITTSBURGH, PA 15211 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $17 | $1K | 13.31% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $425 | $149 | $574 | 5.10% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | VISION BENEFITS OF AMERICA | $294 | $0 | $294 | 2.98% |
| IMA, INC.3 Filed as: IMA ESS | 316 FIRST AVENUE 3RD FLOOR KITTANNING, PA 16201 | VISION BENEFITS OF AMERICA | $200 | $0 | $200 | 2.02% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 152 | $51K |
| Vision | VISION BENEFITS OF AMERICA | 99 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 337 | $79K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 337 | $79K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 337 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.