| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| D S BENEFITS GROUP LLC3 | 3555 RESERVE COMMONS DRIVE MEDINA, OH 44256 | MEDICAL MUTUAL | $60K | $31K | $91K | 3.60% |
| PCA INS AGCY INC3 | 880 CARILLON PKWY #3 SAINT PETERSBURG, FL 337161102 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 13.33% |
| TIMOTHY T. DOYLE3 | 1801 E. 9TH STREET, SUITE 1030 CLEVELAND, OH 44114 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 6.14% |
| JCE FINANCIAL GROUP3 | 950 MAIN AVENUE, SUITE 600 CLEVELAND, OH 44113 | NORTHWESTERN MUTUAL | $976 | $86 | $1K | 1.21% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE & ASSOC INS AGCY OF OHIO INC | 895 CENTRAL AVE STE 1100 CINCINNATI, OH 45202 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 19.81% |
| TIMOTHY T. DOYLE3 | 1801 E. 9TH STREET, SUITE 800 CLEVELAND, OH 44114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DRIVE MEDINA, OH 442565900 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.29% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD, STE 103 CLEVELAND, OH 441312530 | METROPOLITAN LIFE INSURANCE COMPANY | $543 | $12 | $555 | 5.64% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD, STE 103 CLEVELAND, OH 441312530 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $36 | $36 | 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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 242 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $10K |
| Life insurance(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $215K |
| Long-term disability | NORTHWESTERN MUTUAL | 119 | $88K |
| Prescription drug | MEDICAL MUTUAL | 242 | $2.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.