| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | DBA WILLIS OF OHIO INS BROKERS 93245 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.26% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD STE 300 INDEPENDENCE, OH 44131 | RELIANCE LIFE INSURANCE COMPANY | $576 | — | $576 | 1.75% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $939 | $4K | 57.44% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD STE 300 INDEPENDENCE, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $4K | 49.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | DBA WILLIS OF OHIO INS BROKERS 93245 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $106 | — | $106 | 2.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | DBA WILLIS OF OHIO INS BROKERS 93245 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 2.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | MEDICAL MUTUAL OF OHIO | $22K | $1K | $23K | — |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 201 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 365 | $7K |
| Life insurance | RELIANCE LIFE INSURANCE COMPANY | 0 | $33K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.