| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1301 E 9TH ST STE 1650 CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $8K | — | $8K | 3.23% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1301 E 9TH ST STE 1650 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $6K | $15K | 7.38% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 5.00% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1301 E 9TH ST STE 1650 CLEVELAND, OH 44114 | VISION SERVICE PLAN | $2K | — | $2K | 3.61% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1301 E 9TH ST STE 1650 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $1K | $6K | 18.07% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 5.00% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | SUN LIFE ASSURANCE COMPANY OF CANADA | $611 | — | $611 | 5.00% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1301 E 9TH ST STE 1650 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $556 | — | $556 | 4.55% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1301 E 9TH ST STE 1650 CLEVELAND, OH 44114 | SUN LIFE AND HEALTH INSURANCE CO. | $52 | $25 | $77 | 1.10% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 613 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 766 | $244K |
| Vision | VISION SERVICE PLAN | 319 | $53K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 613 | $242K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE CO. | 23 | $7K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 613 | $206K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 883 | $736K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 613 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 883 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.