| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVENUE EAST SUITE 1200 CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $23K | $26K | 3.32% |
| RONALD J. FLEETER, INC.3 Filed as: RONALD FLEETER, INC. | 25700 SCIENE PARK DRIVE, SUITE 130 BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 9.07% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 6.93% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVENUE EAST SUITE 1200 CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 9.00% |
| SAVIN SALES ASSOCIATES INC3 Filed as: SAVIN SALES ASSOCIATES, INC. | 8110 CHAGRIN ROAD CHAGRIN FALLS, OH 44023 | UNITEDHEALTHCARE INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE, INC. | 25700 SCIENCE PARK DRIVE, SUITE 130 BEACHWOOD, OH 44122 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2 | $0 | -$2 | -0.00% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $4K | $7K | 23.81% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 289 | $855K |
| Dental(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 289 | $855K |
| Vision(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 289 | $855K |
| Life insurance(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 289 | $855K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $98K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $98K |
| Prescription drug(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 289 | $855K |
| Other(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 289 | $855K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.