| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD. STE 300 CLEVELAND, OH 44131 | MEDICAL MUTUAL | $30K | $18K | $47K | 3.82% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC | 1422 EUCLID AVE., SUITE 900 CLEVELAND, OH 44115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $243 | $3K | 4.77% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC | 1422 EUCLID AVE., SUITE 900 CLEVELAND, OH 44115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $713 | $4K | 9.99% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC | 1422 EUCLID AVE., SUITE 900 CLEVELAND, OH 44115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $341 | $3K | 16.76% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC | 1422 EUCLID AVE., SUITE 900 CLEVELAND, OH 44115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.36% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC | 1422 EUCLID AVE., SUITE 900 CLEVELAND, OH 44115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $222 | $2K | 16.61% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INSURANCE GROUP | 1422 EUCLID AVE., SUITE 900 CLEVELAND, OH 44115 | VISION SERVICE PLAN | $879 | — | $879 | 6.45% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC | 1422 EUCLID AVE., SUITE 900 CLEVELAND, OH 44115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC | 1422 EUCLID AVE., SUITE 900 CLEVELAND, OH 44115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $614 | $100 | $714 | 11.64% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC | 1422 EUCLID AVE., SUITE 900 CLEVELAND, OH 44115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $878 | — | $878 | 14.99% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC | 1422 EUCLID AVE., SUITE 900 CLEVELAND, OH 44115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $516 | — | $516 | 15.00% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC | 1422 EUCLID AVE., SUITE 900 CLEVELAND, OH 44115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $156 | — | $156 | 9.99% |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 115 | $1.2M |
| Dental(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $79K |
| Vision | VISION SERVICE PLAN | 102 | $14K |
| Life insurance(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $33K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $17K |
| Prescription drug | MEDICAL MUTUAL | 115 | $1.2M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.