| 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 | $28K | $20K | $48K | 3.66% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC OHIO | 1422 EUCLID AVE., SUITE 510 CLEVELAND, OH 44115 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 8.81% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD. CLEVELAND, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 4.95% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.34% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS INC. | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | SUN LIFE ASSURANCE COMPANY OF CANADA | $707 | — | $707 | 0.83% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD. CLEVELAND, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 4.83% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC OHIO | 1422 EUCLID AVE., SUITE 510 CLEVELAND, OH 44115 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.45% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.40% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS INC. | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.61% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INSURANCE GROUP | 1422 EUCLID AVE., SUITE 510 CLEVELAND, OH 44115 | VISION SERVICE PLAN | $855 | — | $855 | 6.60% |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 109 | $1.3M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 198 | $73K |
| Vision | VISION SERVICE PLAN | 94 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 125 | $86K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 125 | $86K |
| Prescription drug | MEDICAL MUTUAL | 109 | $1.3M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 125 | $86K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.