| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD SUITE 300 TORRANCE, CA 90501 | TOKIO MARINE | $16K | $16K | $32K | 9.75% |
| MICHAEL R KURA3 | 2949 CEDAR HILL RD CUYAHOGA FALLS, OH 44223 | THE GUARDIAN LIFE INSURANCE COMPNAY OF AMERICA | $15K | — | $15K | 5.93% |
| JAMES REDMOND3 Filed as: JAMES E REDMOND | 2891 HASTINGS RD STOW, OH 44224 | THE GUARDIAN LIFE INSURANCE COMPNAY OF AMERICA | $6K | — | $6K | 2.54% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY STE 300 RICHFIELD, OH 44286 | DELTA DENTAL OF OHIO | $6K | — | $6K | 2.75% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | — | DELTA DENTAL OF OHIO | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY STE 300 RICHFIELD, OH 44286 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 7.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $394K |
| ASSUREDPARTNERS OF OHIO LLC EIN 80-0786940 BROKER | Other commissions Service code 55 | — | $114K |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 628 | $208K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $38K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPNAY OF AMERICA | 365 | $247K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPNAY OF AMERICA | 365 | $247K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPNAY OF AMERICA | 365 | $247K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 323 | $329K |
| Other | THE GUARDIAN LIFE INSURANCE COMPNAY OF AMERICA | 365 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.