| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1300 E 9TH ST STE 1650 CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $7K | — | $7K | 2.49% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 5.00% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1300 E 9TH STREET SUITE 1650 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 3.91% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1300 E 9TH ST STE 1650 CLEVELAND, OH 44114 | VISION SERVICE PLAN | $2K | — | $2K | 3.18% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1300 E 9TH STREET SUITE 1650 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 16.42% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 5.47% |
| RISK STRATEGIES COMPANY3 Filed as: ARMADA RISK PARTNERS LLC | 1300 E 9TH STREET SUITE 1650 CLEVELAND, OH 44114 | SUN LIFE AND HEALTH INSURANCE CO. | $119 | — | $119 | 1.23% |
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 | 682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 875 | $291K |
| Vision | VISION SERVICE PLAN | 372 | $73K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 686 | $280K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE CO. | 23 | $10K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 686 | $239K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 984 | $820K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 686 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 984 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.