| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MINUTE MEN HR INSURANCE AGENCY LLC3 Filed as: MINUTE MEN HR INS AGENCY LLC | 3740 CARNEGIE AVE CLEVELAND, OH 44115 | ANTHEM BLUE CROSS BLUE SHIELD | $32K | $3K | $35K | 2.34% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD. STE 103 INDEPENDENCE, OH 44131 | ANTHEM BLUE CROSS BLUE SHIELD | $0 | $4K | $4K | 0.24% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC OHIO | 1422 EUCLID AVE., SUITE 510 CLEVELAND, OH 44115 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 10.70% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS INC. | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 5.00% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS INC. | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6 | — | $6 | — |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC OHIO | 1422 EUCLID AVE., SUITE 510 CLEVELAND, OH 44115 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5 | — | $5 | — |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS BLUE SHIELD | 108 | $1.5M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 108 | $1.5M |
| Vision | ANTHEM BLUE CROSS BLUE SHIELD | 108 | $1.5M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $79K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $79K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.