| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARBOUR POINTE AGENCY LLC3 Filed as: HARBOUR POINTE INSURANCE | 1680 N STARBOARD AVE PORT CLINTON, OH 43452 | SUPERIOR DENTAL CARE | $16K | — | $16K | 7.00% |
| HARBOUR POINTE AGENCY LLC3 Filed as: HARBOUR POINTE INSURANCE | 1680 N STARBOARD AVE PORT CLINTON, OH 43452 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 10.00% |
| HARBOUR POINTE AGENCY LLC3 Filed as: HARBOUR POINTE INSURANCE | 1680 N STARBOARD AVE PORT CLINTON, OH 434523632 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 15.44% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS | 1485 PRINCE CHARLES AVE WESTLAKE, OH 441452624 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.86% |
| HARBOUR POINTE AGENCY LLC3 Filed as: HARBOUR POINTE INSURANCE | 41200 RAVINES EDGE WAY LAGRANGE, OH 44050 | AETNA LIFE INSURANCE CO | $1K | — | $1K | 6.42% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE COMPANY | 212 | $1.1M |
| Dental(2 contracts, 2 carriers) | SUPERIOR DENTAL CARE | 243 | $263K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $58K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 221 | $101K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $40K |
| Prescription drug | NATIONWIDE LIFE INSURANCE COMPANY | 212 | $1.1M |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 212 | $1.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 221 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.