| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENERGY INS AGENCY INC3 | 3008 ATKINSON AVE LEXINGTON, KY 40509 | MEDICAL MUTUAL | $111K | $28K | $139K | 7.50% |
| RONALD J. FLEETER, INC.3 | 25700 SCIENCE PARK DRIVE, SUITE 130 BEACHWOOD, OH 44122 | AMFIRST | $43K | — | $43K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | AMFIRST | $9K | — | $9K | 3.16% |
| NICK HUMBLE3 | — | AMFIRST | $7K | — | $7K | 2.50% |
| MWG BROKER SERVICES3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $7K | — | $7K | 2.50% |
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE, INC. | 25700 SCIENCE PARK DRIVE SUITE 130 BEACHWOOD, OH 44122 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 12.85% |
| SAVIN SALES ASSOCIATES INC3 Filed as: SAVIN SALES ASSOCIATES | 8110 CHAGRIN RD CHAGRIN FALLS, OH 44023 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 3.31% |
| BENEFIT SOURCE INC3 | 25700 SCIENCE PARK DR STE 130 BEACHWOOD, OH 44122 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 15.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $739 | — | $739 | 5.70% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 123 | $2.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 120 | $72K |
| Vision | VISION SERVICE PLAN | 114 | $13K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $117K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $117K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $117K |
| Prescription drug | MEDICAL MUTUAL | 123 | $1.8M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.