| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RM BENEFIT CONSULTANTS, INC.3 Filed as: RM BENEFIT CONSULTANTS INC. | AGENT ID 26BQJ 30242 EUCLID AVE #115 WICKLIFFE, OH 44092 | 5STAR LIFE INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DONALD J. LOWE ASSOCIATES, INC. EIN 34-1464998 | Contract Administrator Service code 13 | — | $118K |
| ALLOTA FARLEY CO., LPA EIN 34-1316963 | Legal Service code 29 | — | $54K |
| CIUNI & PANICHI, INC. EIN 34-1322309 | Accounting (including auditing) Service code 10 | — | $30K |
| OLD NATIONAL TRUST COMPANY EIN 35-1729164 | Investment management; Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $12K |
| CUNI, RUST AND STRENK EIN 31-1227755 | Actuarial Service code 11 | — | $9K |
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 | 741 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | 5STAR LIFE INSURANCE COMPANY | 666 | $47K |
| Other | 5STAR LIFE INSURANCE COMPANY | 666 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.