| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PARTNERS AGENCY INC3 | 26865 CENTER RIDGE RD WESTLAKE, OH 44145 | COMMUNITY INSURANCE COMPANY | $18K | $0 | $18K | 1.83% |
| SEIBERT KECK INSURANCE AGENCY3 | 2950 W MARKET STREET AKRON, OH 44333 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 14.98% |
| SEIBERT KECK INSURANCE AGENCY3 | 2950 W MARKET STREET AKRON, OH 44333 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 11.24% |
| INSURANCE PARTNERS AGENCY INC3 | 26865 CENTER RIDGE RD WESTLAKE, OH 44145 | VISION SERVICE PLAN | $843 | $0 | $843 | 6.60% |
| SEIBERT KECK INSURANCE AGENCY3 | 2950 W MARKET STREET AKRON, OH 44333 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| SEIBERT KECK INSURANCE AGENCY3 | 2950 W MARKET STREET AKRON, OH 44333 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $562 | $0 | $562 | 6.32% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 90 | $960K |
| Vision | VISION SERVICE PLAN | 105 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $61K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $50K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $50K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
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.