| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY RICHFIELD, OH 442869381 | AETNA LIFE INSURANCE CO. | $56K | — | $56K | 7.37% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF CAPITAL INC | 200 COLONIAL CENTER PKWY, STE 140 LAKE MARY, FL 32746 | APEX | $9K | — | $9K | 7.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CETERA ADVISOR NETWORKS LLC EIN 30-0588666 INVESTMENT ADVISORY | Investment management Service code 28 | — | $74K |
| FINDLEY DAVIES EIN 34-1213174 ACTUARIAL & RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Actuarial; Contract Administrator Service code 11 | — | $57K |
| CORRIGAN KRAUSE EIN 37-1574855 ACCOUNTING AUDIT | Accounting (including auditing) Service code 10 | — | $9K |
| APPLE GROWTH PARTNERS EIN 34-1082617 BENEFIT CLAIMS AUDIT | Accounting (including auditing) Service code 10 | — | $6K |
| BILLINGS & COMPANY CPA'S EIN 34-1818972 ACCOUNTING & TAX PREP | Accounting (including auditing) Service code 10 | — | $6K |
| CHESTER L SUMPTER & ASSOCIATES LLC EIN 34-1942956 LEGAL SERVICES | Legal Service code 29 | — | $4K |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | APEX | 319 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
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.