| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RON CORSARO INSURANCE AGENCY, INC.3 | 8039 BROADMOOR RD MENTOR, OH 44060 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 14.99% |
| RON CORSARO INSURANCE AGENCY, INC.3 | 8039 BROADMOOR RD STE 10 MENTOR, OH 44060 | AMERITAS LIFE INSURANCE CORP. | $6K | — | $6K | 10.00% |
| RON CORSARO INSURANCE AGENCY, INC.3 | 8039 BROADMOOR RD MENTOR, OH 44060 | UNION SECURITY INSURANCE COMPANY | $152 | — | $152 | 15.05% |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 133 | $460K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 213 | $63K |
| Vision | AETNA HEALTH, INC. | 133 | $460K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 126 | $80K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 126 | $81K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 126 | $80K |
| Prescription drug | AETNA HEALTH, INC. | 133 | $460K |
| Other | UNION SECURITY INSURANCE COMPANY | 126 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.