| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LLC | 3900 KINROSS LAKES PKWY STE 300 RICHFIELD, OH 44286 | DELTA DENTAL OF OHIO | $24K | — | $24K | 10.86% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LLC | 3900 KINROSS LAKES PKWY STE 300 RICHFIELD, OH 44286 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $7K | $26K | 13.96% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY STE 300 RICHFIELD, OH 44286 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $330K |
| ASSUREDPARTNERS OF OHIO LLC EIN 80-0786940 BROKER | Other commissions Service code 55 | — | $119K |
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 | 562 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 572 | $220K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 256 | $31K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 562 | $183K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 562 | $183K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 562 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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.
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.