| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE INC | 25700 SCIENCE PARK DR. STE. 130 BEACHWOOD, OH 441227317 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | — | $48K | 6.41% |
| SAVIN SALES ASSOCIATES INC3 Filed as: SAVIN SALES ASSOCIATES INC. | 8110 CHAGRIN RD CHAGRIN FALLS, OH 440234744 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 1.65% |
| REDTAIL LTD3 Filed as: REDTAIL LTD. | 9999 BREWSTER PLACE #100 POWELL, OH 43065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 12.41% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD. #103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.28% |
| RONALD J. FLEETER, INC.3 | 25700 SCIENCE PARK DR. STE. 130 BEACHWOOD, OH 44122 | SUPERIOR DENTAL CARE, INC. | $2K | — | $2K | 9.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 PLAN ADMINISTRATOR | Claims processing; Float revenue; Contract Administrator; Named fiduciary; Participant communication; Direct payment from the plan; Other services; Non-monetary compensation Service code 12 | — | $0 |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 177 | $743K |
| Dental | SUPERIOR DENTAL CARE, INC. | 76 | $21K |
| Vision(2 contracts, 2 carriers) | SUPERIOR DENTAL CARE, INC. | 76 | $24K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $55K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.