| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD, SUITE 300 CLEVELAND, OH 44131 | MEDICAL MUTUAL | $44K | $43K | $87K | 3.02% |
| MINUTE MEN HR INSURANCE AGENCY LLC3 | 3740 CARNEGIE AVENUE CLEVELAND, OH 441152755 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | — | $27K | 10.13% |
| MINUTE MEN HR INSURANCE AGENCY LLC3 | 3740 CARNEGIE AVENUE CLEVELAND, OH 441152755 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $28 | $3K | 15.14% |
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 | 705 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 170 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 705 | $269K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 705 | $269K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 705 | $291K |
| Prescription drug | MEDICAL MUTUAL | 170 | $2.9M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 705 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 705 | — |
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.