| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REB CONSULTING, INC.3 Filed as: REB CONSULTING | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGONT, OH 43085 | SUPERIOR DENTAL CARE, INC. | — | — | $0 | 0.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.88% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO | 3900 KINROSS LAKES PKWY RICHFIELD, OH 44286 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE, INC. | 378 | $50K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 327 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 231 | $10K |
| Short-term disability | STANDARD INSURANCE COMPANY | 231 | $10K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 177 | $214K |
| Other | STANDARD INSURANCE COMPANY | 231 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.