| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RL KING INSURANCE AGENCY | PO BOX 1265 7723 AIRPORT HIGHWAY #F HOLLAND, OH 435287602 | MEDICAL MUTUAL OF OHIO | $93K | $6 | $93K | 4.87% |
| EXPRESSLINK GENERAL AGENCY LLC Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE RD CLEVELAND, OH 441312530 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 6.85% |
| ROBERTSON RYAN & ASSOCIATES Filed as: ROBERTSON AGENCY | 10725 PINE VALLEY CIR CONCORD TWP, OH 440778500 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.00% |
| RL KING INSURANCE AGENCY | PO BOX 1265 HOLLAND, OH 43528 | CONSUMER LIFE INSURANCE COMPANY | $3K | $999 | $4K | 19.72% |
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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 175 | $1.9M |
| Dental | MEDICAL MUTUAL OF OHIO | 175 | $1.9M |
| Life insurance | CONSUMER LIFE INSURANCE COMPANY | 210 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $61K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 175 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.