| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO | 1340 DEPOT STREET ROCKY RIVER, OH 44116 | FIDELITY SECURITY LIFE | $4K | — | $4K | 2.97% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY #300 RICHFIELD, OH 44286 | THE LINCOLN LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN LIFE INSURANCE COMPANY | — | $3K | $3K | 4.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 NONE- PROCESSED CLAIMS | Claims processing Service code 12 | PO BOX 1084 WAUSAU, WI 54402 | $125K |
| ASSURED PARTNERS OF OHIO LLC EIN 80-0786940 BROKER | Other commissions Service code 55 | 3900 KINROSS LAKES PKWY SUITE 300 RICHFIELD, OH 44286 | $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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY LIFE | 30 | $118K |
| Dental | THE LINCOLN LIFE INSURANCE COMPANY | 120 | $82K |
| Vision | THE LINCOLN LIFE INSURANCE COMPANY | 120 | $82K |
| Prescription drug | FIDELITY SECURITY LIFE | 30 | $118K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 146 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.