| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 316 FIRST AVENUE 3RD FLOOR KITTANNING, PA 16201 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 16.62% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 7.74% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF PA, LLC | 1301 GRANDVIEW AVENUE SUITE 400 PITTSBURGH, PA 152114204 | METROPOLITAN LIFE INSURANCE COMPANY | $271 | — | $271 | 0.35% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8 | $8 | 0.01% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 10.01% |
| IMA, INC.3 | 316 FIRST AVENUE 3RD FLOOR KITTANNING, PA 16201 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 21.45% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO, LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $19 | $3K | 14.98% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF PA, LLC | 1301 GRANDVIEW AVENUE SUITE 400 PITTSBURGH, PA 152114204 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 13.39% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $249 | $1K | 6.73% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO, LLC | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 442869381 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $458 | $458 | 2.36% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $170 | — | $170 | 0.88% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
| IMA, INC.3 | 316 FIRST AVENUE 3RD FLOOR KITTANNING, PA 16201 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 20.85% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO, LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $19 | $2K | 12.36% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF PA, LLC | 1301 GRANDVIEW AVENUE SUITE 400 PITTSBURGH, PA 152114204 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.58% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $771 | $182 | $953 | 6.82% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO, LLC | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 442869381 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $286 | $286 | 2.05% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $60 | — | $60 | 0.43% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.01% |
| IMA, INC.3 | 316 FIRST AVENUE 3RD FLOOR KITTANNING, PA 16201 | VISION BENEFITS OF AMERICA | $541 | — | $541 | 5.00% |
| IMA, INC.3 | 316 FIRST AVENUE 3RD FLOOR KITTANNING, PA 16201 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO, LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $19 | $1K | — |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF PA, LLC | 1301 GRANDVIEW AVENUE SUITE 400 PITTSBURGH, PA 152114204 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $634 | $147 | $781 | — |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO, LLC | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 442869381 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $249 | $249 | — |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $72 | — | $72 | — |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | — |
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 | 369 | 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) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 150 | $50K |
| Vision | VISION BENEFITS OF AMERICA | 117 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $78K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $78K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.