| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT RELATED SERVICES3 | 3988 MILES AVENUE N.W. CANTON, OH 44718 | THE HEALTH PLAN | $9K | — | $9K | 2.81% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 13.60% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.37% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 16.96% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 17.99% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $503 | $4K | 18.53% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 22.56% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 17.14% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $170 | $1K | 18.55% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 21.60% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $558 | — | $558 | 19.48% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $372 | — | $372 | 19.88% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVENUE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $186 | — | $186 | 16.83% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $140 | — | $140 | 15.02% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $131 | — | $131 | 21.55% |
| BENEFIT RELATED SERVICES3 | 3988 MILES AVE NW CANTON, OH 44718 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $135 | — | $135 | 22.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $264K |
| BRS GROUP LTD EIN 34-1795755 BROKER | Other commissions Service code 55 | — | $25K |
| CENTERSTONE INSURANCE & FIN SERVICE EIN 95-4018229 BROKER | Other commissions Service code 55 | — | $570 |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE HEALTH PLAN | 30 | $337K |
| Life insurance(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $95K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 46 | $25K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 96 | $44K |
| Other(11 contracts, 2 carriers) | US FIRE INSURANCE - PARTNERS MGE GENERAL | 280 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.