| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARBOUR POINTE AGENCY LLC3 | 41200 RAVINES EDGE WAY LAGRANGE, OH 44050 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 26.73% |
| IHC SPECIALTY BENEFITS INC3 | 2101 W PEORIA AVE STE 100 PHOENIX, AZ 85029 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| HARBOUR POINTE AGENCY LLC3 | 9627 PATRICIA CT ELYRIA, OH 44035 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.58% |
| HARBOUR POINTE AGENCY LLC3 | 9627 PATRICIA CT ELYRIA, OH 44035 | METROPOLITAN LIFE INSURANCE COMPANY | $427 | — | $427 | 12.19% |
| HARBOUR POINTE AGENCY LLC3 | 41200 RAVINES EDGE WAY LAGRANGE, OH 44050 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 39.64% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 150 | $75K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 50 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.