| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DR MEDINA, OH 44256 | MEDICAL MUTUAL | $43K | $19K | $62K | 4.71% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DR MEDINA, OH 44256 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 6.32% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DR MEDINA, OH 442565900 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | — | $3K | 9.39% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 441312530 | UNITED OF OMAHA LIFE INSURANCE CO | — | $769 | $769 | 2.25% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DR MEDINA, OH 442565900 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | — | $3K | 15.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 441312530 | UNITED OF OMAHA LIFE INSURANCE CO | — | $468 | $468 | 2.29% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DR MEDINA, OH 442565900 | UNITED OF OMAHA LIFE INSURANCE CO | $463 | — | $463 | 9.99% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 441312530 | UNITED OF OMAHA LIFE INSURANCE CO | — | $104 | $104 | 2.24% |
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. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 122 | $1.3M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 105 | $65K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 105 | $65K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 0 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 0 | $34K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 0 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
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.