| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD. S STE 250 CLEVELAND, OH 44131 | MEDICAL MUTUAL | $9K | $12K | $21K | 2.57% |
| ADVANTAGE CONSULTANTS AGENCY INC3 Filed as: ADVANTAGE CONSULTANTS AGENCY INC. | 215 WEST GARFIELD RD SUITE 250 AURORA, OH 44202 | DEARBORN NATIONAL LIFE INSURANCE CO | $6K | — | $6K | 10.50% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD STREET 7TH FL COLUMBUS, OH 43215 | DEARBORN NATIONAL LIFE INSURANCE CO | — | $804 | $804 | 1.34% |
| ADVANTAGE CONSULTANTS AGENCY INC3 Filed as: ADVANTAGE CONSULTANTS AGENCY | 6690 BETA DR#120 MAYFIELD VILLAGE, OH 44143 | GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.48% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS INC. | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | GUARDIAN LIFE INSURANCE COMPANY | $318 | — | $318 | 0.81% |
| LIFETIME FINANCIAL GROWTH OF N3 | — | GUARDIAN LIFE INSURANCE COMPANY | $15 | — | $15 | 0.04% |
| MANAGMENT COMPENSATION GROUP/3 Filed as: MANAGMENT COMPENSATION GROUP | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $446 | $3K | 27.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $810 | $810 | 8.02% |
| ADVANTAGE CONSULTANTS AGENCY INC3 Filed as: ADVANTAGE CONSULTANTS AGENCY INC. | 215 WEST GARFIELD RD. SUITE 250 AURORA, OH 44202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $329 | — | $329 | 10.85% |
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 | 74 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 75 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 75 | $829K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 60 | $42K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 60 | $39K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE CO | 154 | $60K |
| Long-term disability(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE CO | 154 | $73K |
| Prescription drug | MEDICAL MUTUAL | 75 | $829K |
| Other(4 contracts, 4 carriers) | DEARBORN NATIONAL LIFE INSURANCE CO | 154 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.