| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD. STE300 SAINT LOUIS, MO 63122 | THE NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 4.48% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS INC. | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 3.15% |
| MORRIS FINANCIAL GROUP3 | 272 PENN AVENUE SALEM, OH 44460 | THE NATIONAL LIFE INSURANCE COMPANY | $7K | $67 | $7K | 3.03% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKLAND RD STE 300 KIRKLAND, MO 63122 | THE NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.85% |
| MORRIS FINANCIAL GROUP3 | 272 PENN AVE SALEM, OH 44460 | EYEMED | $4K | — | $4K | 10.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL SERVICES EIN 34-1922587 CLAIMS PROCESSOR | Claims processing Service code 12 | 2060 E.9TH STREET CLEVELAND, OH 44115 | $216K |
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 | 1,048 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,048 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE NATIONAL LIFE INSURANCE COMPANY | 384 | $235K |
| Vision | EYEMED | 1,028 | $42K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 891 | $638K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,028 | — |
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."
No prospect flags tripped on this filing.