| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PARTNERS AGENCY INC3 Filed as: INSURANCE PARTNERS AGENCY LLC | 2950 W MARKET STREET AKRON, OH 44333 | MEDICAL MUTUAL | $36K | $1 | $36K | 3.79% |
| INSURANCE PARTNERS AGENCY INC3 | 26865 CENTER RIDGE RD WESTLAKE, OH 44145 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $3K | $15K | 13.26% |
| SEIBERT KECK INSURANCE AGENCY3 | 2950 W MARKET STREET AKRON, OH 44333 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.00% |
| SEIBERT KECK INSURANCE AGENCY3 | 2950 W MARKET STREET AKRON, OH 44333 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40 | $0 | $40 | 6.45% |
| SEIBERT KECK INSURANCE AGENCY3 | 2950 W MARKET STREET AKRON, OH 44333 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 4.00% |
| INSURANCE PARTNERS AGENCY INC3 | 26865 CENTER RIDGE RD WESTLAKE, OH 44145 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | — |
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)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 94 | $954K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $110K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $110K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $110K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $110K |
| Other(4 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.