| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DRIVE MEDINA, OH 44256 | MEDICAL MUTUAL | $60K | $13K | $73K | 10.82% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $19K | $0 | $19K | 15.00% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DRIVE MEDINA, OH 442565900 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $47 | $5K | 3.87% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD, STE 103 CLEVELAND, OH 441312530 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $11 | $4K | 3.57% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD, STE 103 CLEVELAND, OH 441312530 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $707 | $707 | 0.56% |
| TIMOTHY T. DOYLE3 | 1801 E. 9TH STREET, SUITE 1030 CLEVELAND, OH 44114 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 6.65% |
| JCE FINANCIAL GROUP3 | 950 MAIN AVENUE, SUITE 600 CLEVELAND, OH 44113 | NORTHWESTERN MUTUAL | $1K | $120 | $1K | 1.19% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 278 | $673K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 419 | $126K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 419 | $255K |
| Long-term disability | NORTHWESTERN MUTUAL | 143 | $94K |
| Prescription drug | MEDICAL MUTUAL | 278 | $673K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 419 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.