| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVIN SALES ASSOCIATES INC3 | 8110 CHAGRIN ROAD CHAGRIN FALLS, OH 44023 | MEDICAL MUTUAL | $133K | — | $133K | 7.70% |
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE, INC. | 25700 SCIENCE PARK DRIVE SUITE 130 BEACHWOOD, OH 44122 | UNITED HEALTH CARE INSURANCE COMPANY | $12K | — | $12K | 14.87% |
| BENEFIT SOURCE INC3 | 25700 SCIENCE PARK DR. SUITE 130 BEACHWOOD, OH 44122 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | $8K | $17K | 23.36% |
| SAVIN SALES ASSOCIATES INC3 | 8110 CHAGRIN RD CHAGRIN FALLS, OH 44023 | VISION SERVICE PLAN | $761 | — | $761 | 5.05% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 110 | $1.7M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 118 | $73K |
| Vision | VISION SERVICE PLAN | 120 | $15K |
| Life insurance | UNITED HEALTH CARE INSURANCE COMPANY | 128 | $83K |
| Short-term disability | UNITED HEALTH CARE INSURANCE COMPANY | 128 | $83K |
| Long-term disability | UNITED HEALTH CARE INSURANCE COMPANY | 128 | $83K |
| Prescription drug | MEDICAL MUTUAL | 110 | $1.7M |
| Other | UNITED HEALTH CARE INSURANCE COMPANY | 128 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.