| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTHAN INSURANCE AGENCY INC3 | PO BOX 570 CHAGRIN FALLS, OH 44022 | MEDICAL MUTUAL | $75K | $22 | $75K | 4.00% |
| ALTHANS INSURANCE AGENCY INC3 Filed as: ALTHANS INSURANCE AGENCY INC. | 543 EAST WASHINGTON STREET CHAGRIN FALLS, OH 44022 | DELTA DENTAL OF OHIO | $14K | — | $14K | 13.05% |
| ALTHANS INSURANCE AGENCY INC3 Filed as: ALTHANS INSURANCE AGENCY INC. | 543 WASHINGTON STREET CHAGRIN FALLS, OH 44022 | VISION SERVICE PLAN | $1K | — | $1K | 5.70% |
| 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 | 10.00% |
| ALTHANS INSURANCE AGENCY INC3 Filed as: ALTHANS INSURANCE AGENCY | 543 EAST WASHINGTON STREET CHAGRIN FALLS, OH 44022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $534 | — | $534 | 10.00% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 157 | $1.9M |
| Dental | DELTA DENTAL OF OHIO | 329 | $106K |
| Vision | VISION SERVICE PLAN | 125 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $0 |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 9 | $5K |
| Prescription drug | MEDICAL MUTUAL | 157 | $1.9M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.