| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLAN ALTERNATIVES INC3 Filed as: BENEFIT PLAN ALTERNATIVES INC. | 7135 SYLVANIA AVE., BLDG. 2C SYLVANIA, OH 43560 | MEDICAL MUTUAL OF OHIO | $43K | — | $43K | 14.71% |
| BENEFIT PLAN ALTERNATIVES INC3 Filed as: BENEFIT PLAN ALTERNATIVES INC. | 7135 SYLVANIA AVE., BLDG. 2C SYLVANIA, OH 43560 | DELTA DENTAL OF OHIO | $7K | — | $7K | 5.10% |
| BENEFIT PLAN ALTERNATIVES INC3 Filed as: BENEFIT PLAN ALTERNATIVES INC. | 7135 SYLVANIA AVE., BLDG 2C SYLVANIA, OH 435603530 | ANTHEM LIFE INSURANCE COMPANY | $13K | — | $13K | 10.20% |
| BENEFIT PLAN ALTERNATIVES INC3 Filed as: BENEFIT PLAN ALTERNATIVES INC. | 7135 SYLVANIA AVE., STE 2C SYLVANIA, OH 435605501 | VISION SERVICE PLAN | $1K | — | $1K | 5.69% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 429 | $131K |
| Vision | VISION SERVICE PLAN | 161 | $18K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 215 | $130K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 215 | $130K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 215 | $130K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 179 | $291K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 215 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.