| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISORS LLC3 | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.93% |
| THOMAS S FARRO3 | 312 NORTH CLEVELAND MASSILLION ROAD AKRON, OH 44333 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.07% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | PRINCIPAL LIFE INSURANCE COMPANY | $993 | — | $993 | 1.66% |
| BROKERNET INC3 | 110 NORTHWOODS BOULEVARD SUITE C COLUMBUS, OH 43235 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.25% |
| EMERSON REID LLC3 Filed as: EMERSON REID | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| THOMAS S FARRO3 Filed as: THOMAS FARRO | 312 NORTH CLEVELAND MASSILLON ROAD AKRON, OH 44333 | VISION SERVICE PLAN | $1K | — | $1K | 5.78% |
| BROKERNET INC3 | 110 NORTHWOODS BOULEVARD SUITE C COLUMBUS, OH 43235 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.66% |
| EMERSON REID LLC3 Filed as: EMERSON REID | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $845 | — | $845 | 5.00% |
| BROKERNET INC3 | 110 NORTHWOODS BOULEVARD SUITE C COLUMBUS, OH 43235 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $558 | — | $558 | 5.00% |
| THOMAS S FARRO3 | 312 NORTH CLEVELAND MASSILLON ROAD AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.06% |
| THOMAS S FARRO3 | 312 NORTH CLEVELAND MASSILLON ROAD AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $974 | — | $974 | 10.00% |
| THOMAS S FARRO3 | 312 NORTH CLEVELAND MASSILLON ROAD AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $383 | — | $383 | 11.51% |
| THOMAS S FARRO3 | 312 NORTH CLEVELAND MASSILLON ROAD AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $326 | — | $326 | 10.00% |
| THOMAS S FARRO3 | 312 NORTH CLEVELAND MASSILLON ROAD AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $377 | — | $377 | 15.00% |
| BROKERNET INC3 | 110 NORTHWOODS BOULEVARD SUITE C COLUMBUS, OH 43235 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $333 | — | $333 | 14.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $111 | — | $111 | 5.00% |
| THOMAS S FARRO3 | 312 NORTH CLEVELAND MASSILLON ROAD AKRON, OH 44333 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $86 | — | $86 | 9.95% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $60K |
| Vision | VISION SERVICE PLAN | 124 | $21K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $47K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $27K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $14K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $594K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.