| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R L KING INSURANCE AGENCY INC3 | 7723 AIRPORT HIGHWAY #F HOLLAND, OH 43528 | MEDICAL MUTUAL | $154K | $24K | $178K | 9.13% |
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE, INC. | 25700 SCIENCE PARK DRIVE SUITE 130 BEACHWOOD, OH 44122 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 14.93% |
| BENEFIT SOURCE INC3 | 25700 SCIENCE PARK DR STE 130 BEACHWOOD, OH 44122 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | $3K | $11K | 16.81% |
| SAVIN SALES ASSOCIATES INC3 Filed as: SAVIN SALES ASSOCIATE INC | 8110 CHAGRIN RD CHAGRIN FALLS, OH 44023 | UNITED HEALTHCARE INSURANCE COMPANY | — | $824 | $824 | 1.24% |
| SAVIN SALES ASSOCIATES INC3 | 8110 CHAGRIN RD CHAGRIN FALLS, OH 44023 | VISION SERVICE PLAN | $664 | — | $664 | 4.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $55 | — | $55 | 0.37% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 102 | $1.9M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 107 | $67K |
| Vision | VISION SERVICE PLAN | 105 | $15K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $79K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $79K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $79K |
| Prescription drug | MEDICAL MUTUAL | 102 | $1.9M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.