| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RM BENEFIT CONSULTANTS, INC.3 | 30432 EUCLID AVE WICKLIFFE, OH 44092 | DELTA DENTAL OF OHIO | $2K | — | $2K | 2.12% |
| RM BENEFITS CONSULTANTS I3 | 30242 EUCLID AVE STE 115 WICKLIFFE, OH 44092 | 5STAR LIFE INSURANCE COMPANY | $7K | — | $7K | 19.34% |
| RM BENEFIT CONSULTANTS, INC.3 Filed as: RM BENEFIT CONSULTANTS INC. | 6101 CENTER ST APT 106 MENTOR, OH 440608652 | VISION SERVICE PLAN | $942 | — | $942 | 6.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIUNI & PANICHI, INC. EIN 34-1322309 | Accounting (including auditing) Service code 10 | — | $10K |
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 | 418 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MILA MANAGED HEALTH CARE TRUST FUND | 418 | $5.4M |
| Dental | DELTA DENTAL OF OHIO | 426 | $100K |
| Vision | VISION SERVICE PLAN | 87 | $15K |
| Life insurance | 5STAR LIFE INSURANCE COMPANY | 369 | $38K |
| Prescription drug | MILA MANAGED HEALTH CARE TRUST FUND | 418 | $5.4M |
| Other | 5STAR LIFE INSURANCE COMPANY | 369 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.