| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC WILLIAM SULL | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF OHIO | $14K | — | $14K | 3.70% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS DBA DAWSON INS GRP | 3900 KINROSS LAKES PKWAY RICHFIELD, OH 44286 | EYE MED | $1K | — | $1K | 2.36% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 1349 W LANE AVE COLUMBUS, OH 43221 | EYE MED | $30 | — | $30 | 0.06% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | — | HARTFORD LIFE AND ACCIDENT | $47K | — | $47K | 420.12% |
| CURALINC HEALTHCARE3 | — | CURALINC, LLC | $20K | — | $20K | — |
| INSPIRA3 | 11819 MIAMI STREET, SUITE 200 OMAHA, NE 68164 | INSPIRA | — | $8K | $8K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTIVO EIN 30-1095511 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $971K |
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 | 76 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 0 | $370K |
| Vision | EYE MED | 0 | $46K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 0 | $11K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 0 | $11K |
| Stop-loss / reinsurancereinsurance | CENTIVO | 0 | $0 |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 806 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 806 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.