| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD STE 300 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $43K | $63K | $106K | 4.55% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS | 4200 ROCKSIDE RD INDEPENDENCE, OH 44131 | DELTA DENTAL | $9K | — | $9K | 4.74% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES J VITOU | 20148 DETROIT ROCKY RIVER, OH 44116 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 11.79% |
| GEORGE R BLAHA3 | 623 WEST SAINT CLAIR AVE CLEVELAND, OH 44113 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 11.79% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | UNION SECURITY INSURANCE COMPANY | — | $6K | $6K | 8.58% |
| ALPHA PROPERTY & CASUALTY INC3 Filed as: THE ALPHA GROUP AGENCY INC. | 25000 CENTER RIDGE RD WESTLAKE, OH 441451405 | VSP | $1K | — | $1K | 4.88% |
| CAPITOL AMERICAN LIFE INS. CO3 | 11815 NORTH PENNSYLVANIA ST CARMEL, IN 46032 | WASHINGTON NATIONAL | $166 | — | $166 | 14.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| S&S WELLNESS DBA BE WELL SOLUTIONS EIN 20-4367389 | Other services Service code 49 | — | $18K |
| EASE@WORK EAP LLC EIN 84-2155092 | Other services Service code 49 | — | $6K |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 180 | $2.3M |
| Dental | DELTA DENTAL | 180 | $189K |
| Vision | VSP | 103 | $27K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 202 | $72K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 202 | $72K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 202 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.