| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION | 4700 ROCKSIDE ROAD SUITE 540 INDEPENDENCE, OH 44131 | DELTA DENTAL OF OHIO | $43K | $0 | $43K | 5.95% |
| NATIONAL BENEFITS GROUP | 3820 NORTHDALE BLVD SUITE 103 TAMPA, FL 33624 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | — |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATION | 6450 ROCKSIDE WOODS BLVD SUITE 250 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $453 | $9K | — |
| CENTRO BENEFITS RESEARCH LLC | 24500 CHAGRIN BLVD SUITE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $10 | $8K | — |
| CENTRO BENEFITS RESEARCH LLC | 24500 CHAGRIN BLVD SUITE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | — |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATION | 6450 ROCKSIDE WOODS BLVD S SUITE 250 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL OF OHIO | $32K | $38K | $71K | — |
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 | 2,633 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Dental | DELTA DENTAL OF OHIO | 2,548 | $715K |
| Vision | COMMUNITY INSURANCE COMPANY (G1728) | 1,283 | $113K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 700 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,548 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.