| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARBOUR POINTE AGENCY LLC3 | 41200 RAVINES EDGE WAY LAGRANGE, OH 44050 | MEDICAL MUTUAL | $30K | — | $30K | 3.51% |
| HARBOUR POINTE AGENCY LLC3 | 41200 RAVINES EDGE WAY LAGRANGE, OH 44050 | HCC LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| HARBOUR POINTE AGENCY LLC3 | 41200 RAVINES EDGE WAY LAGRANGE, OH 44050 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.99% |
| IHC SPECIALTY BENEFITS INC3 | 2101 W PEORIA AVE STE 100 PHOENIX, AZ 85029 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.32% |
| HARBOUR POINTE AGENCY LLC3 | 41200 RAVINES EDGE WAY LAGRANGE, OH 44050 | STANDARD INSURANCE COMPANY | $29 | — | $29 | 1.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HARBOUR POINTE AGENCY LLC EIN 26-2171487 BROKER | Insurance agents and brokers Service code 22 | — | $31K |
| ALLIED BENEFIT SYSTEMS INC EIN 36-3086057 CONTRACT | Plan Administrator Service code 14 | — | $21K |
| NATIONAL UNION FIRE INSURANCE EIN 25-0687550 CONTRACT | Other fees Service code 99 | — | $18K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT | Other fees Service code 99 | — | $15K |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 150 | $843K |
| Dental | STANDARD INSURANCE COMPANY | 155 | $87K |
| Vision | STANDARD INSURANCE COMPANY | 30 | $2K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 146 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.