| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO, LLC | 285 COZZINS ST COLUMBUS, OH 43215 | EVEREST RE | $48K | — | $48K | 14.43% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY SUITE 300 RICHFIELD, OH 44286 | GUARDIAN | $11K | — | $11K | 6.24% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN | $51 | — | $51 | 0.03% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | GUARDIAN | $42K | — | $42K | 25.39% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | GUARDIAN | $42K | — | $42K | 25.04% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY SUITE 300 RICHFIELD, OH 44286 | GUARDIAN | $566 | — | $566 | 0.34% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN | $1 | — | $1 | 0.00% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN INC. | 2307 E. AURORA RD STE B-13 TWINSBURG, OH 44087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $110 | $2K | 5.03% |
| PAUL AMOS & ASSOCIATES LLC3 | 5311 MEADOW LN CT STE 4 SHEFFIELD VILLAGE, OH 44035 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $706 | — | $706 | 1.50% |
| LINDA JEAN FOX3 | 37366 WEXFORD DR. CLEVELAND, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $73 | $73 | 0.16% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN | 2307 EAST AURORA RD - SUITE B-13 TWINSBURG, OH 44202 | TRUSTMARK INSURANCE COMPANY | $953 | — | $953 | 6.66% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY SUITE 2F AVON, OH 44011 | TRUSTMARK INSURANCE COMPANY | $568 | — | $568 | 3.97% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN | 2307 EAST AURORA RD SUITE B-13 TWINSBURG, OH 44202 | TRUSTMARK INSURANCE COMPANY | $439 | — | $439 | 7.60% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY SUITE 2F AVON, OH 44011 | TRUSTMARK INSURANCE COMPANY | $438 | — | $438 | 7.58% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN | 2307 E AURORA RD SUITE B-13 TWINSBURG, OH 44202 | TRUSTMARK INSURANCE COMPANY | $420 | — | $420 | 8.20% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY SUITE 2F AVON, OH 44011 | TRUSTMARK INSURANCE COMPANY | $142 | — | $142 | 2.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE GROUP SERVICES, LTD EIN 42-1426202 | Other services; Contract Administrator Service code 13 | 424 FIRST AVE NE CEDAR RAPIDS, IA 52401 | $188K |
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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EVEREST RE | 460 | $333K |
| Dental | GUARDIAN | 469 | $183K |
| Vision | GUARDIAN | 469 | $183K |
| Life insurance(4 contracts, 3 carriers) | GUARDIAN | 469 | $411K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 247 | $213K |
| Long-term disability | GUARDIAN | 469 | $183K |
| Stop-loss / reinsurancereinsurance | EVEREST RE | 460 | $333K |
| Other(4 contracts, 2 carriers) | GUARDIAN | 469 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.