| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS AGENCY INC | — | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 1.50% |
| BENEFITS ANALYSIS CORPORATION3 | 101 WEST WATER STREET TROY, OH 45373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $644 | $644 | 1.67% |
| BENEFITS ANALYSIS CORPORATION3 | 101 WEST WATER STREET TROY, OH 45373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $310 | $310 | 1.53% |
| BENEFITS ANALYSIS CORPORATION3 | 101 WEST WATER STREET TROY, OH 45373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $194 | $194 | 1.51% |
| BENEFITS ANALYSIS CORPORATION3 | 101 WEST WATER STREET TROY, OH 45373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $33 | $33 | 1.50% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 121 | $1.4M |
| Dental | COMMUNITY INSURANCE COMPANY | 120 | $88K |
| Vision | COMMUNITY INSURANCE COMPANY | 96 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $39K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $13K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.