| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DMC BENEFITS INC3 Filed as: DMC BENEFITS, INC. | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 5.00% |
| MORRIS FINANCIAL GROUP3 Filed as: MORRIS FINANCIAL GROUP, INC. | 272 PENN AVENUE SALEM, OH 44460 | THE NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 3.00% |
| MORRIS FINANCIAL GROUP3 Filed as: MORRIS FINANCIAL GROUP, INC. | 272 PENN AVENUE SALEM, OH 44460 | EYEMED | $6K | — | $6K | 9.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL SERVICES EIN 34-1922587 CLAIMS PROCESSOR | Claims processing Service code 12 | 2060 E. 9TH STREET CLEVELAND, OH 44115 | $210K |
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 | 894 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 894 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE NATIONAL LIFE INSURANCE COMPANY | 358 | $250K |
| Vision | EYEMED | 881 | $60K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 777 | $619K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 881 | — |
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.