| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK, LLC | 4200 ROCKSIDE ROAD, SUITE 300 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $8K | $20K | 7.71% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.59% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.07% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.93% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON AGENCY, INC. | 10725 PINE VALLEY CIRCLE CONCORD TOWNSHIP, OH 44077 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.50% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 9.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.43% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON AGENCY, INC. | 10725 PINE VALLEY CIRCLE CONCORD TOWNSHIP, OH 44077 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $988 | $0 | $988 | 1.07% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON AGENCY, INC. | 10725 PINE VALLEY CIRCLE PAINESVILLE, OH 44077 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 8.28% |
| USI INSURANCE SERVICES LLC3 | 1301 EAST 9TH STREET, SUITE 3800 CLEVELAND, OH 44114 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 1.67% |
| R L KING INSURANCE AGENCY INC3 Filed as: R. L. KING INSURANCE AGENCY, INC. | 7723 AIRPORT HIGHWAY, SUITE F HOLLAND, OH 43528 | CONSUMERS LIFE INSURANCE COMPANY | $6K | $3K | $9K | 16.63% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 8.24% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON AGENCY, INC. | 10725 PINE VALLEY CIRCLE CONCORD TOWNSHIP, OH 44077 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.53% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $779 | $0 | $779 | 1.66% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | MEDMUTUAL LIFE INSURANCE COMPANY | $2K | $928 | $3K | 10.13% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS, INC. | 4200 ROCKSIDE ROAD, SUITE 300 CLEVELAND, OH 45202 | MEDMUTUAL LIFE INSURANCE COMPANY | $1K | $462 | $2K | 5.57% |
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 | 842 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 31 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 882 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 572 | $265K |
| Vision | HUMANA INSURANCE COMPANY | 447 | $64K |
| Life insurance(3 contracts, 3 carriers) | CONSUMERS LIFE INSURANCE COMPANY | 842 | $131K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 842 | $248K |
| Other(2 contracts, 2 carriers) | CONSUMERS LIFE INSURANCE COMPANY | 842 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 842 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.