| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAYMOND N LATIANO3 Filed as: RAYMOND JAMES FINANCIAL SERVICE | 4158 MUNSON ST. NW CANTON, OH 447182979 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.17% |
| RAYMOND JAMES FINANCIAL SERVICES3 | 4158 MUNSON ST. NW CANTON, OH 447182979 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 0.52% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON COMP | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $225K | $36K | $261K | 78.39% |
| RAYMOND N LATIANO3 Filed as: RAYMOND JAMES FINANCIAL SERVICE | 4158 MUNSON ST. NW CANTON, OH 447182979 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.00% |
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 | 2,137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts) | DELTA DENTAL OF OHIO | 2,461 | $1.6M |
| Vision(4 contracts) | VISION SERVICE PLAN | 761 | $268K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 3,283 | $956K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,435 | $88K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,435 | $1.8M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 3,283 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,283 | — |
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.