| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMIN INC | 1487 COURTYARD PLACE CENTERVILLE, OH 45458 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | — | $25K | 16.35% |
| VODES LLC3 | 60 RHOADS CENTER DRIVE SUITE A CENTERVILLE, OH 45458 | SUPERIOR DENTAL CARE, INC | $4K | — | $4K | 6.25% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMINSTRATORS - CEN | 1487 COURTYARD PLACE CENTERVILLE, OH 45458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $959 | — | $959 | 7.51% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMINSTRATORS - CEN | 1487 COURTYARD PLACE CENTERVILLE, OH 45458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $630 | — | $630 | 4.94% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VODES LLC USE 15015634 | 60 RHOADS CENTER DRIVE SUITE A CENTERVILLE, OH 45458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $484 | — | $484 | 3.79% |
| VODES LLC3 | 60 RHOADS CENTER DRIVE SUITE A CENTERVILLE, OH 45458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $152 | — | $152 | 1.19% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE, INC | 276 | $64K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 208 | $13K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $152K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $152K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $152K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 302 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.