| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 6.04% |
| MORRIS FINANCIAL GROUP3 | 272 PENN AVENUE SALEM, OH 44460 | THE NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 3.00% |
| MORRIS FINANCIAL GROUP3 | 272 PENN AVENUE SALEM, OH 44460 | EYEMED | $4K | — | $4K | 8.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 | Claims processing; Other services Service code 12 | 300 CORPORATE PKWY AMHEARST, NY 14226 | $266K |
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 | 1,167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE NATIONAL LIFE INSURANCE COMPANY | 393 | $264K |
| Vision | EYEMED | 1,082 | $48K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,071 | $547K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,082 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.