| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS S FARRO3 | 291 NORTH CLEVELAND MASSILLON ROAD AKRON, OH 44333 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.76% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 SAINT LOUIS, MO 63122 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.73% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | PRINCIPAL LIFE INSURANCE COMPANY | $662 | — | $662 | 1.12% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $446 | — | $446 | 0.76% |
| THOMAS S FARRO3 | 291 NORTH CLEVE MASSILLON ROAD SUITE 100 AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| THOMAS S FARRO3 Filed as: THOMAS FARRO | 291 NORTH CLEVE MASS ROAD SUITE 100 AKRON, OH 44333 | VISION SERVICE PLAN | $858 | — | $858 | 6.00% |
| THOMAS S FARRO3 | 291 NORTH CLEVE MASSILLON ROAD SUITE 100 AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| THOMAS S FARRO3 | 291 NORTH CLEVE MASSILLON ROAD SUITE 100 AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| THOMAS S FARRO3 | 291 NORTH CLEVE MASSILLON ROAD SUITE 100 AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $497 | — | $497 | 10.00% |
| THOMAS S FARRO3 | 291 NORTH CLEVE MASSILLON ROAD SUITE 100 AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $742 | — | $742 | 15.00% |
| THOMAS S FARRO3 | 291 NORTH CLEVE MASSILLON ROAD SUITE 100 AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56 | — | $56 | 9.93% |
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 | 194 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $59K |
| Vision | VISION SERVICE PLAN | 130 | $14K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $26K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $11K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 151 | $878K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.