| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QBA BENEFITS LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $0 | $35K | 9.54% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.33% |
| QBA BENEFITS LLC3 | 24610 DETROIT RD SUITE 150 WESTLAKE, OH 44145 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 5.86% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY STE 300 RICHFIELD, OH 44286 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 1.10% |
| QBA BENEFITS LLC3 | 24610 DETROIT RD CLEVELAND, OH 44145 | DELTA DENTAL OF OHIO | $3K | $0 | $3K | 4.36% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY #300 RICHFIELD, OH 44286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $180 | $0 | $180 | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY STE 300 RICHFIELD, OH 442869381 | METROPOLITAN LIFE INSURANCE COMPANY | $111 | $0 | $111 | 90.98% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $365K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF OHIO | 239 | $61K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 200 | $113K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 200 | $113K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 200 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.