| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HOFFMAN GROUP3 | 2 BEREA COMMONS BEREA, OH 44017 | DELTA DENTAL OF OHIO | $4K | — | $4K | 5.08% |
| HOFFMAN INSURANCE AGENCY3 | 2 BEREA COMMONS STE 10 BEREA, OH 44017 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 14.71% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY THE | 1100 SUPERIOR AVE STE 1100 CLEVELAND, OH 44114 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 5.29% |
| HOFFMAN INSURANCE AGENCY3 | 2 BEREA COMMONS BEREA, OH 44017 | PRUDENTIAL | $2K | — | $2K | 10.00% |
| HOFFMAN INSURANCE AGENCY3 | 2 BEREA COMMONS STE 10 BEREA, OH 44017 | ANTHEM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.28% |
| FITZGIBBONS ARNOLD & CO AGENCY Filed as: FITZGIBBONS ARNOLD & CO | PO BOX 45520 CLEVELAND, OH 44145 | ANTHEM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.72% |
| THE HOFFMAN GROUP | 2 BEREA COMMONS STE 10 BEREA, OH 44017 | EYEMED | $2K | — | $2K | 10.06% |
| THE HOFFMAN GROUP | 1100 SUPERIOR AVE E #1500 CLEVELAND, OH 44114 | EYEMED | $737 | — | $737 | 3.77% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $814 | — | $814 | 10.06% |
| SMITH, THOMAS, CHRISTOPHER Filed as: SMITH THOMAS CHRISTOPHER | PO BOX 6650 METAIRIE, TN 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94 | — | $94 | 1.16% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $480 | — | $480 | 9.09% |
| SMITH, THOMAS, CHRISTOPHER Filed as: SMITH THOMAS CHRISTOPHER | PO BOX 6650 METAIRIE, TN 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.78% |
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 | 256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 340 | $1.7M |
| Dental | DELTA DENTAL OF OHIO | 373 | $71K |
| Vision | EYEMED | 352 | $20K |
| Life insurance(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 200 | $74K |
| Long-term disability | PRUDENTIAL | 200 | $25K |
| Other(4 contracts, 4 carriers) | UNION SECURITY INSURANCE COMPANY | 200 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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 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.