| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 1340 DEPOT STREET ROCKY RIVER, OH 44116 | FIDELITY SECURITY LIFE | $5K | $0 | $5K | 3.34% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY 300 RICHFIELD, OH 44286 | THE LINCOLN LIIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 NONE - PROCESSED CLAIMS | Claims processing Service code 12 | PO BOX 1084 WAUSAU, WI 54402 | $121K |
| ASSURED PARTNERS OF OHIO LLC EIN 80-0786940 BROKER | Other commissions Service code 55 | 1340 DEPOT ST ROCKY RIVER, OH 44116 | $44K |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY LIFE | 48 | $135K |
| Dental | THE LINCOLN LIIFE INSURANCE COMPANY | 119 | $82K |
| Vision | THE LINCOLN LIIFE INSURANCE COMPANY | 119 | $82K |
| Prescription drug | FIDELITY SECURITY LIFE | 48 | $135K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 139 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.