| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UNITED HEALTHCARE SERVICES, INC. | PO BOX 19032 GREEN BAY, WI 543079032 | ALL SAVERS INSURANCE COMPANY | — | $105K | $105K | 18.63% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 1340 DEPOT STREET CLEVELAND, OH 44116 | ALL SAVERS INSURANCE COMPANY | $57K | — | $57K | 10.14% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 5.25% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY STE 300 RICHFIELD, OH 44286 | STANDARD INSURANCE COMPANY | $4K | $973 | $5K | 3.17% |
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 | 341 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALL SAVERS INSURANCE COMPANY | 161 | $566K |
| Dental | STANDARD INSURANCE COMPANY | 341 | $149K |
| Vision | STANDARD INSURANCE COMPANY | 341 | $149K |
| Life insurance | STANDARD INSURANCE COMPANY | 341 | $149K |
| Other | ALL SAVERS INSURANCE COMPANY | 161 | $566K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.