| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PARTNERS AGENCY INC3 | 26865 CENTER RIDGE RD WESTLAKE, OH 44145 | PRICIPAL LIFE INSURANCE COMPANY | $2K | $1K | $4K | 9.94% |
| SELF FUNDED PLANS AGENCY INC3 Filed as: SELF-FUNDED PLANS AGCY INC | 1432 HAMILTON AVE CLEVELAND, OH 44114 | HARTFORD LIFE AND ACCIDENT | $2K | $2K | $3K | 20.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESS LINK LLC | 4200 ROCKSIDE ROAD STE 300 CLEVELAND, OH 44131 | HARTFORD LIFE AND ACCIDENT | $0 | $834 | $834 | 5.00% |
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 | 531 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED STATES FIRE INSURANCE COMPANY | 531 | $354K |
| Dental | UNITED STATES FIRE INSURANCE COMPANY | 531 | $354K |
| Vision | UNITED STATES FIRE INSURANCE COMPANY | 531 | $354K |
| Life insurance(2 contracts, 2 carriers) | PRICIPAL LIFE INSURANCE COMPANY | 479 | $55K |
| Short-term disability | UNITED STATES FIRE INSURANCE COMPANY | 531 | $354K |
| Prescription drug | UNITED STATES FIRE INSURANCE COMPANY | 531 | $354K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 531 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.