| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP, LLC | 3555 RESERVE COMMONS DR. MEDINA, OH 44256 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $126K | — | $126K | 14.98% |
| DIGITAL INSURANCE LLC3 | — | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 9.19% |
| REUBEN WARNER ASSOCIATES, INC.3 | — | ZURICH AMERICAN INSURANCE COMPANY | — | $3K | $3K | 15.00% |
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 | 4,570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 788 | $700K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,475 | $2.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,277 | $528K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,475 | $835K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,471 | $582K |
| Other(7 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,625 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,625 | — |
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."
No prospect flags tripped on this filing.