| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSLIN LANDIS INSURANCE3 | 237 BROAD ST CONNEAUT, OH 44030 | MEDICAL MUTUAL OF OHIO | $19K | $24 | $19K | 12.49% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: INSURANCE PARTNERS AGENCY LLC | 26865 CENTER RIDGE RD WESTLAKE, OH 441454042 | MEDICAL MUTUAL OF OHIO | $2K | $2 | $2K | 1.14% |
| THOMAS N. JESSER3 Filed as: THOMAS N JESSER | 2385 COVINGTON ROAD APT 103 AKRON, OH 443134378 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.21% |
| BUSINESS UNDERWRITERS ASSOCIATES3 Filed as: BUSINESS UNDERWRITERS ASSOC AGENCY | 3600 EMBASSY PARKWAY SUITE 100 AKRON, OH 44333 | PRINCIPAL LIFE INSURANCE COMPANY | $702 | — | $702 | 3.00% |
| THOMAS N. JESSER3 | 2385 COVINGTON ROAD APT. 103 AKRON, OH 44313 | COMPANION LIFE INSURANCE | $1K | — | $1K | 9.09% |
| BUSINESS UNDERWRITERS ASSOCIATES3 | 3600 EMBASSY PKWY STE 100 AKRON, OH 44333 | COMPANION LIFE INSURANCE | $608 | — | $608 | 4.55% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 112 | $156K |
| Dental | MEDICAL MUTUAL OF OHIO | 112 | $156K |
| Life insurance | COMPANION LIFE INSURANCE | 100 | $13K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 86 | $23K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 112 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.