| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ANALYSIS CORPORATION3 | 101 W. WATER STREET TROY, OH 45373 | COMMUNITY INSURANCE COMPANY | $31K | $0 | $31K | 3.32% |
| THE JAMES B OSWALD COMPANY3 | 1360 E. 9TH STREET #600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $2K | $18K | $19K | 2.12% |
| ERC SERVICES INC3 | 6700 BETA DRIVE SUITE 300 MAYFIELD VILLAGE, OH 44143 | COMMUNITY INSURANCE COMPANY | $1K | $0 | $1K | 0.13% |
| BENEFITS ANALYSIS CORPORATION3 | 101 W. WATER STREET TROY, OH 45373 | SUPERIOR DENTAL CARE INC | $3K | $0 | $3K | 7.56% |
| BENEFITS ANALYSIS CORPORATION3 | 101 W. WATER STREET TROY, OH 45373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| BENEFITS ANALYSIS CORPORATION3 | 101 W. WATER STREET TROY, OH 45373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BENEFITS ANALYSIS CORPORATION3 | 101 W. WATER STREET TROY, OH 45373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| BENEFITS ANALYSIS CORPORATION3 | 101 W. WATER STREET TROY, OH 45373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $75 | $0 | $75 | 1.55% |
| BENEFITS ANALYSIS CORPORATION3 | 101 W. WATER STREET TROY, OH 45373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $542 | $0 | $542 | 15.00% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 191 | $919K |
| Dental | SUPERIOR DENTAL CARE INC | 170 | $42K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $15K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 39 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.