| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS & INSURANCE SOLUTIONS, LLC3 | 3988 MILES AVENUE NW CANTON, OH 44718 | AULTCARE INSURANCE COMPANY | $65K | — | $65K | 2.28% |
| BRS GROUP LTD3 | 3988 MILES AVE NW CANTON, OH 44718 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 9.36% |
| BRS GROUP LTD3 | 3988 MILES AVENUE NW CANTON, OH 44718 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 19.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | STE 330 12647 ALCOSTA BLVD SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| BRS GROUP LTD3 Filed as: BRS GROUP | 3988 MILES AVE NW CANTON, OH 447182858 | VISION SERVICE PLAN | $1K | — | $1K | 4.44% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 507 | $2.8M |
| Dental | AULTCARE INSURANCE COMPANY | 507 | $2.8M |
| Vision | VISION SERVICE PLAN | 207 | $33K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $141K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $141K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $141K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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."
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.