| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARBOUR POINTE AGENCY LLC3 Filed as: HARBOUR POINTE AGENCY, LLC | 41200 RAVINES EDGE WAY LAGRANGE, OH 44050 | MEDICAL MUTUAL | $29K | — | $29K | 3.39% |
| HARBOUR POINTE AGENCY LLC3 Filed as: HARBOUR POINTE AGENCY, LLC | 41200 RAVINES EDGE WAY LAGRANGE, OH 44050 | AETNA HEALTH INC. | $26K | — | $26K | 3.57% |
| HARBOUR POINTE AGENCY LLC3 Filed as: HARBOUR POINTE AGENCY | 41200 RAVINES EDGE WAY LAGRANGE, OH 44050 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.53% |
| IHC SPECIALTY BENEFITS INC3 Filed as: IHC SPECIALTY BENEFITS INC. | 2101 W PEORIA AVE. STE 100 PHOENIX, AZ 85027 | STANDARD INSURANCE COMPANY | $758 | — | $758 | 1.50% |
| HARBOUR POINTE AGENCY LLC3 | 41200 RAVINES EDGE WAY LAGRANGE, OH 44050 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.35% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 288 | $1.6M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 305 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.