| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A J AMER AGENCY, INC.3 Filed as: A J AMER AGENCY INC | 3700 EMBASSY PKWY STE 160 AKRON, OH 44333 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $8K | $12K | 1.58% |
| SAVIN SALES ASSOCIATES INC3 | 8110 CHAGRIN RD CHAGRIN FALLS, OH 44023 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.94% |
| KENNEDY AND ASSOCIATES PA3 Filed as: KENNEDY & ASSOCIATES PA | 20 S MAIN ST PONTOTOC, MS 388632822 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.59% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | $430 | — | $430 | 0.39% |
| A J AMER AGENCY, INC.3 Filed as: A J AMER AGENCY INC | 3700 EMBASSY PKWY STE 160 AKRON, OH 443338384 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 244 | $839K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $18K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.