| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OPOC INSURANCE SERVICES LLC3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 8.21% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 16.61% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.80% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY SUITE 300 RICHFIELD, OH 44286 | METROPOLITAN LIFE INSURANCE COMPANY | $816 | $1K | $2K | 7.77% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $13 | $1K | 5.84% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 16.65% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICE | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.44% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY RICHFIELD, OH 44286 | METROPOLITAN LIFE INSURANCE COMPANY | $672 | $1K | $2K | 7.87% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $13 | $1K | 5.87% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 16.55% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO | 3900 KINROSS LAKES PKWY RICHFIELD, OH 44286 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.22% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY SUITE 300 RICHFIELD, OH 44286 | METROPOLITAN LIFE INSURANCE COMPANY | $572 | $681 | $1K | 8.34% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $863 | $13 | $876 | 5.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $105K |
| REB CONSULTING, INC. BROKER | Other commissions Service code 55 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGON, OH 43085 | $56K |
| CENTERSTONE INSURANCE & FIN SERVICE EIN 95-4018229 BROKER | Other commissions Service code 55 | — | $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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | TOKIO MARINE - BENEFIT MALL | 223 | $312K |
| Dental | MEDICAL MUTUAL | 184 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 172 | $29K |
| Life insurance | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 246 | $48K |
| Short-term disability | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 246 | $48K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE - BENEFIT MALL | 184 | $272K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.