| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QBA BENEFITS LLC | 24610 DETROIT ROAD SUITE 150 WESTLAKE, OH 44145 | MEDICAL MUTUAL | $51K | — | $51K | 2.47% |
| ASSUREDPARTNERS Filed as: ASSURED PARTNERS OF OHIO LLC | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | MEDICAL MUTUAL | $10K | $36K | $47K | 2.26% |
| QBA BENEFITS LLC | 24610 DETROIT ROAD SUITE 150 WESTLAKE, OH 44145 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 4.57% |
| ASSUREDPARTNERS Filed as: ASSURED PARTNERS OF | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | COMMUNITY INSURANCE COMPANY | $209 | — | $209 | 0.43% |
| QBA BENEFITS LLC | 24610 DETROIT ROAD SUITE 150 WESTLAKE, OH 44145 | CONSUMERS LIFE INSURANCE COMPANY | $3K | — | $3K | 9.77% |
| ASSUREDPARTNERS Filed as: ASSURED PARTNERS OF | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | CONSUMERS LIFE INSURANCE COMPANY | — | $278 | $278 | 0.85% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 127 | $2.1M |
| Dental | COMMUNITY INSURANCE COMPANY | 125 | $49K |
| Vision | MEDICAL MUTUAL | 127 | $2.1M |
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 364 | $33K |
| Prescription drug | MEDICAL MUTUAL | 127 | $2.1M |
| Other | CONSUMERS LIFE INSURANCE COMPANY | 364 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.