| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1300 E 9TH ST #1650 CLEVELAND, OH 44114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $115 | $6K | 5.30% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1300 E 9TH ST # 1650 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.81% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1300 E 9TH ST # 1650 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 16.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PL 21ST FL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.91% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1300 E 9TH ST #1650 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31 | — | $31 | 0.15% |
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 | 376 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 21 | $116K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 21 | $116K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $125K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $100K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $100K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.