| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PARTNERS AGENCY INC3 Filed as: INSURANCE PARTNERS AGENCY LLC | 2950 W MARKET ST AKRON, OH 44333 | MEDICAL MUTUAL OF OHIO | $18K | $2 | $18K | 9.14% |
| BROKERNET INC3 | 110 NORTHWOODS BLVD STE C COLUMBUS, OH 43235 | STANDARD INSURANCE COMPANY | $2K | $781 | $3K | 18.05% |
| THOMAS N. JESSER3 | 2385 COVINGTON ROAD APT. 103 AKRON, OH 44313 | COMPANION LIFE INSURANCE | $1K | — | $1K | 10.91% |
| BUSINESS UNDERWRITERS ASSOCIATES3 | 3600 EMBASSY PKWY STE 100 AKRON, OH 44333 | COMPANION LIFE INSURANCE | $696 | — | $696 | 6.10% |
| THOMAS JESSER3 | 6055 ROCKSIDE WOODS BLVD. SUITE 190 INDEPENDENCE, OH 44131 | COMPANION LIFE INSURANCE | $146 | — | $146 | 1.28% |
| BROKERNET INC3 | 110 NORTHWOODS BLVD STE C COLUMBUS, OH 43235 | ANTHEM LIFE INSURANCE COMPANY | $1K | $385 | $1K | 18.64% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COMPANION LIFE INSURANCE | 102 | $11K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 88 | $23K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 97 | $202K |
| Other | COMPANION LIFE INSURANCE | 102 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.