| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE300 ST LOUIS, MO 63122 | THE NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 5.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD STE 300 SAINT LOUIS, MO 63122 | THE NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 3.99% |
| MORRIS FINANCIAL GROUP3 | 272 PENN AVENUE SALEM, OH 44460 | THE NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 3.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.08% |
| MORRIS FINANCIAL GROUP3 | 272 PENN AVENUE SALEM, OH 44460 | EYEMED | $4K | — | $4K | 10.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL SERVICES EIN 34-1922587 CLAIMS PROCESSOR | Claims processing Service code 12 | 2060 E. 9TH STREET CLEVELAND, OH 44115 | $155K |
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 | 1,022 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE NATIONAL LIFE INSURANCE COMPANY | 387 | $263K |
| Vision | EYEMED | 1,017 | $44K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 936 | $569K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,017 | — |
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.