| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY SUITE 300 RICHFIELD, OH 44286 | GUARDIAN | $60K | $7K | $67K | 11.47% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LL | 6200 SAVOY DR SUITE 345 HOUSTON, TX 77036 | GUARDIAN | $31K | — | $31K | 5.41% |
| LIFETIME FINANCIAL GROWTH OF N4 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN | $524 | — | $524 | 0.09% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | GUARDIAN | $169 | — | $169 | 0.03% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY SUITE 300 RICHFIELD, OH 44286 | AULTCARE INSURANCE COMPANY | $6K | — | $6K | 8.47% |
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 | 363 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 363 | $580K |
| Vision | GUARDIAN | 363 | $580K |
| Life insurance | GUARDIAN | 363 | $580K |
| Short-term disability | GUARDIAN | 363 | $580K |
| Long-term disability | GUARDIAN | 363 | $580K |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 338 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.