| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO, LLC | 285 COZZINS ST COLUMBUS, OH 43215 | HCC LIFE INSURANCE COMPANY | $45K | — | $45K | 8.91% |
| EMPLOYEE GROUP SERVICES, LTD3 Filed as: EMPLOYEE GROUP SERVICES LLC | 424 FIRST AVE NE CEDAR RAPIDS, IA 52401 | HCC LIFE INSURANCE COMPANY | $8K | — | $8K | 1.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 285 COZZINS STREET COLUMBUS, OH 43215 | COLONIAL LIFE & ACCIDENT INSURANCE | $770 | $37 | $807 | 0.67% |
| ELIZABETH LLOYD3 | 27064 OAKMEAD DR PERRYSBURGH, OH 43551 | COLONIAL LIFE & ACCIDENT INSURANCE | $556 | $67 | $623 | 0.52% |
| THAD ANDERSON3 | 7220 TALLGRASS PARKWAY LINCOLN, NE 68521 | COLONIAL LIFE & ACCIDENT INSURANCE | $34 | $24 | $58 | 0.05% |
| SOUTHPAW INC3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE | $11 | — | $11 | 0.01% |
| DAVID H OSBORN3 | 3040 GRAND BAY BLVD LONGBOAT KEY, FL 34228 | COLONIAL LIFE & ACCIDENT INSURANCE | $5 | — | $5 | 0.00% |
| DAN YAARY3 | 13303 CREEKVIEW RD PROSPECT, KY 40059 | COLONIAL LIFE & ACCIDENT INSURANCE | $3 | — | $3 | 0.00% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE | $2 | — | $2 | 0.00% |
| NORTHWEST ENROLLX LLC3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE | $2 | — | $2 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62899 VIRGINIA BEACH, VA 26466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $586 | — | $586 | 2.33% |
| PAUL AMOS & ASSOCIATES LLC3 | 5311 MEADOW LN CT STE 4 SHEFFIELD VILLAGE, OH 44035 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $362 | — | $362 | 1.44% |
| LINDA JEAN FOX3 | 37366 WEXFORD DR CLEVELAND, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.14% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY SUITE 2F AVON, OH 44011 | TRUSTMARK INSURANCE COMPANY | $775 | — | $775 | 5.87% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY SUITE 2F AVON, OH 44011 | TRUSTMARK INSURANCE COMPANY | $566 | — | $566 | 11.12% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN | 2307 EAST AURORA RD SUITE B-13 TWINSBURG, OH 44202 | TRUSTMARK INSURANCE COMPANY | — | — | $0 | 0.00% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY SUITE 2F AVON, OH 44011 | TRUSTMARK INSURANCE COMPANY | $145 | — | $145 | 4.96% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP | 36711 AMERICAN WAY SUITE 2F AVON, OH 44011 | TRUSTMARK INSURANCE | $21 | — | $21 | 4.78% |
| 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 | $167K |
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 | 426 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 442 | $501K |
| Dental | GUARDIAN | 430 | $161K |
| Vision | GUARDIAN | 430 | $161K |
| Life insurance(4 contracts, 4 carriers) | GUARDIAN | 430 | $319K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE | 67 | $145K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 430 | $162K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 442 | $501K |
| Other(4 contracts, 3 carriers) | GUARDIAN | 430 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.