| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS INTERNATIONAL3 | 4700 ROCKSIDE RD SUMMIT 1, SUITE 505 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $4K | — | $4K | 1.45% |
| MUTUAL HEALTH SERVICE5 | PO BOX 5700 CLEVELAND, OH 44101 | ROUNDSTONE | — | $17K | $17K | 13.64% |
| EMPLOYEE BENEFITS LLC3 Filed as: EMPLOYEE BENEFITS | 4700 ROCKSIDE RD INDEPENDENCE, OH 44131 | ROUNDSTONE | $3K | $1K | $4K | 3.61% |
| ADVANTAGE CONSULTANTS AGENCY INC3 Filed as: ADVANTAGE CONSULTANTS AGENCY INC. | 215 WEST GARFIELD RD SUITE 250 AURORA, OH 44202 | DEARBORN NATIONAL LIFE INSURANCE CO | $7K | — | $7K | 10.67% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 440 POLARIS PKWY WESTERVILLE, OH 44503 | DEARBORN NATIONAL LIFE INSURANCE CO | — | $874 | $874 | 1.27% |
| BENEFIT ENROLLMENT SVCS INC3 Filed as: BENEFIT ENROLLMENT SVCS INC. | 8180 BRECKSVILLE RD #203 BRECKSVILLE, OH 44141 | AMERICAN HERITAGE LIFE | $780 | — | $780 | 10.13% |
| ADVANTAGE CONSULTANTS AGENCY INC3 Filed as: ADVANTAGE CONSULTANTS AGCY INC. | 2150 W GARFIELD RD. SUITE 260 AURORA, OH 442026522 | AMERICAN HERITAGE LIFE | $188 | — | $188 | 2.44% |
| DONNA TROXELL3 | PO BOX 882 CANONSBURG, PA 15317 | AMERICAN HERITAGE LIFE | $37 | — | $37 | 0.48% |
| ADVANTAGE CONSULTANTS AGENCY INC3 Filed as: ADVANTAGE CONSULTANTS AGENCY INC. | 215 WEST GARFIELD RD. SUITE 250 AURORA, OH 44202 | UDC OF OHIO, INC. | $264 | — | $264 | 10.01% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 75 | $316K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 56 | $36K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 56 | $33K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE CO | 177 | $69K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE CO | 177 | $69K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE CO | 177 | $69K |
| Prescription drug | MEDICAL MUTUAL | 75 | $308K |
| Stop-loss / reinsurancereinsurance | ROUNDSTONE | 78 | $125K |
| Other | DEARBORN NATIONAL LIFE INSURANCE CO | 177 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.