| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK RD. STE. A BEACHWOOD, OH 44122 | MEDICAL MUTUAL OF OHIO | $51K | $21K | $72K | 8.15% |
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK RD. STE. A BEACHWOOD, OH 44122 | MEDICAL MUTUAL OF OHIO | $13K | $3K | $15K | 7.11% |
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK STE. A BEACHWOOD, OH 441225837 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 5.28% |
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK STE. A BEACHWOOD, OH 441225837 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $68 | $2K | 15.23% |
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK STE. A BEACHWOOD, OH 441225837 | COMPBENEFITS INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK STE. A BEACHWOOD, OH 441225837 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 14.96% |
| THE MCCLAIN GROUP LLC3 Filed as: THE MCCLAIN GROUP, LLC | PO BOX 882 CANONSBURG, PA 153170882 | KANAWHA INSURANCE COMPANY | $105 | — | $105 | 3.15% |
| TODD ASSOCIATES, INC.3 | 23825 COMMERCE PARK STE. A BEACHWOOD, OH 441225837 | KANAWHA INSURANCE COMPANY | $12 | — | $12 | 0.36% |
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) | MEDICAL MUTUAL OF OHIO | 96 | $1.1M |
| Dental | HUMANA INSURANCE COMPANY | 111 | $53K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 97 | $12K |
| Life insurance(2 contracts) | KANAWHA INSURANCE COMPANY | 117 | $11K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 4 | $3K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $15K |
| Other(2 contracts) | KANAWHA INSURANCE COMPANY | 117 | $11K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.