| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTHANS INSURANCE AGENCY INC3 Filed as: ALTHANS INSURANCE AGENCY, INC. | 543 EAST WASHINGTON STREET PO BOX 570 CAGRIN FALLS, OH 44022 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $24K | $24K | 3.99% |
| ALTHANS INSURANCE AGENCY INC3 | 543 WASHINGTON STREET CHAGRIN FALLS, OH 44022 | DELTA DENTAL OF OHIO | $12K | — | $12K | 9.17% |
| ALTHANS INSURANCE AGENCY INC3 Filed as: ALTHANS INSURANCE AGENCY INC. | 543 WASHINGTON STREET CHAGRIN FALLS, OH 44022 | VISION SERVICE PLAN | $999 | — | $999 | 5.88% |
| ALTHANS INSURANCE AGENCY INC3 Filed as: ALTHANS INSURANCE AGENCY | 543 EAST WASHINGTON STREET CHAGRIN FALLS, OH 44022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 11.05% |
| ALTHANS INSURANCE AGENCY INC3 Filed as: ALTHANS INSURANCE AGENCY | 543 EAST WASHINGTON STREET CHAGRIN FALLS, OH 44022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.17% |
| ALTHANS INSURANCE AGENCY INC3 Filed as: ALTHANS INSURANCE AGENCY | 543 EAST WASHINGTON STREET CHAGRIN FALLS, OH 44022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $630 | — | $630 | 9.37% |
| ALTHANS INSURANCE AGENCY INC3 Filed as: ALTHANS INSURANCE AGENCY | 543 EAST WASHINGTON STREET CHAGRIN FALLS, OH 44022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $125 | — | $125 | 9.20% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC | 347 | $2.7M |
| Dental | DELTA DENTAL OF OHIO | 385 | $128K |
| Vision | VISION SERVICE PLAN | 109 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $12K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 237 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13 | $7K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.