| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JWB INSURANCE AGENCY | 3740 CARNEGIE AVE. CLEVELAND, OH 44115 | AETNA HEALTH, INC. | $34K | — | $34K | 2.76% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES, INC. | 1422 EUCLID AVE., SUITE 900 CLEVELAND, OH 44115 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 7.49% |
| JWB INSURANCE AGENCY | 3740 CARNEGIE AVE. CLEVELAND, OH 44115 | AETNA LIFE INSURANCE COMPANY | $905 | — | $905 | 2.75% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES, INC. | 1422 EUCLID AVE., SUITE 900 CLEVELAND, OH 44115 | VISION SERVICE PLAN | $866 | — | $866 | 6.53% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 4 | $33K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $120K |
| Vision | VISION SERVICE PLAN | 105 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $120K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $120K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.