| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R L KING INSURANCE AGENCY INC3 Filed as: R L KING INSURANCE AGENCY, INC. | PO BOX 1265 7723 AIRPORT HIGHWAY, SUITE F HOLLAND, OH 435287602 | MEDICAL MUTUAL OF OHIO | $64K | $5K | $70K | 23.22% |
| R L KING INSURANCE AGENCY INC3 | 7723 AIRPORT HIGHWAY SUITE F HOLLAND, OH 43528 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | — | $10K | 9.44% |
| R L KING INSURANCE AGENCY INC3 | 7723 AIRPORT HIGHWAY SUITE F HOLLAND, OH 43528 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.12% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $11 | $1K | 4.60% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $910 | $910 | 3.65% |
| R L KING INSURANCE AGENCY INC3 | 7723 AIRPORT HIGHWAY SUITE F HOLLAND, OH 43528 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 19.93% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 585 | $25K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 249 | $105K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 249 | $105K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 191 | $300K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 249 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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.