| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| D S BENEFITS GROUP LLC3 | 3555 RESERVE COMMONS DRIVE MEDINA, OH 44256 | MEDICAL MUTUAL | $60K | $8K | $68K | 13.92% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $18K | $0 | $18K | 15.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DRIVE MEDINA, OH 44256 | UNION SECURITY INSURANCE COMPANY | $11K | $0 | $11K | 9.92% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD, STE 103 CLEVELAND, OH 44131 | UNION SECURITY INSURANCE COMPANY | $0 | $8K | $8K | 7.27% |
| TIMOTHY T. DOYLE3 | 1801 E. 9TH STREET, SUITE 1030 CLEVELAND, OH 44114 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 6.01% |
| JCE FINANCIAL GROUP3 | 950 MAIN AVENUE, SUITE 600 CLEVELAND, OH 44113 | NORTHWESTERN MUTUAL | $962 | $85 | $1K | 1.18% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DRIVE MEDINA, OH 442565900 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $18 | $1K | 12.67% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD, STE 103 CLEVELAND, OH 441312530 | METROPOLITAN LIFE INSURANCE COMPANY | $398 | $0 | $398 | 3.98% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD, STE 103 CLEVELAND, OH 441312530 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $37 | $37 | 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 | 274 | 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) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 257 | $489K |
| Dental | UNION SECURITY INSURANCE COMPANY | 137 | $107K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 266 | $132K |
| Long-term disability | NORTHWESTERN MUTUAL | 137 | $89K |
| Prescription drug | MEDICAL MUTUAL | 257 | $489K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.