| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY STE 300 RICHFIELD, OH 44286 | UNITED HEALTHCARE INSURANCE COMPANY | $23 | $48K | $48K | 1.45% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA LLC | 375 E WARM SPRINGS RD STE 201 LAS VEGAS, NV 89119 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $11K | $17K | 0.51% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CONSULTING | FRANK CAPARSO 7341 EISENHOWER DR STE B YOUNGSTOWN, OH 44512 | DELTA DENTAL OF OHIO | $722 | — | $722 | 0.32% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N. KIRKWOOD RD KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 8.99% |
| NATIONAL HEALTHCARE ACCESS AGCY3 | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 7.18% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 375 E. WARM SPRINGS RD #201 LAS VEGAS, NV 89119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.82% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N. KIRKWOOD RD KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 16.01% |
| NATIONAL HEALTHCARE ACCESS AGCY3 | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.23% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA LLC | 375 E. WARM SPRINGS RD #201 LAS VEGAS, NV 89119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.77% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N. KIRKWOOD RD KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 9.33% |
| NATIONAL HEALTHCARE ACCESS AGCY3 | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.21% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 375 E. WARM SPRINGS RD #201 LAS VEGAS, NV 89119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.78% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA LLC | 7341 EISENHOWER DR STE B YOUNGSTOWN, OH 44512 | VISION SERVICE PLAN | $921 | — | $921 | 2.58% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N. KIRKWOOD RD KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 9.15% |
| NATIONAL HEALTHCARE ACCESS AGCY3 | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.31% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 375 E. WARM SPRINGS RD #201 LAS VEGAS, NV 89119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.69% |
| NATIONAL HEALTHCARE ACCESS AGCY3 | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $161 | — | $161 | 7.21% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $102 | $102 | 4.57% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA LLC | 375 E. WARM SPRINGS RD #201 LAS VEGAS, NV 89119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $85 | — | $85 | 3.81% |
| NATIONAL HEALTHCARE ACCESS AGCY3 | 7422 SOUTHERN BLVD YOUNGSTOWN, OH 44512 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $92 | — | $92 | 14.94% |
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 | 360 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 389 | $3.3M |
| Dental | DELTA DENTAL OF OHIO | 602 | $224K |
| Vision | VISION SERVICE PLAN | 237 | $36K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 357 | $68K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 310 | $128K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 343 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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."
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.