| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM ST., 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL | $17K | $5K | $22K | 2.82% |
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY STE. 2F AVON, OH 44011 | MEDICAL MUTUAL | $12K | $1K | $13K | 1.67% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY STE. 2F AVON, OH 44145 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 5.13% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS INC. | 1485 PRINCE CHARLES AVE. WESTLAKE, OH 44145 | DELTA DENTAL OF OHIO | $594 | $0 | $594 | 1.72% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY, STE. 2F AVON, OH 44011 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $707 | $2K | $3K | 10.57% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.73% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS INC. | 1485 PRINCE CHARLES AVE. WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $629 | $629 | 2.54% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY, STE. 2F AVON, OH 44011 | EYEMED VISION CARE | $485 | $0 | $485 | 7.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $112 | $0 | $112 | 1.73% |
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 | 103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 67 | $770K |
| Dental | DELTA DENTAL OF OHIO | 103 | $34K |
| Vision | EYEMED VISION CARE | 101 | $6K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $25K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.