| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMANA INSURANCE COMPANY3 | 1100 EMPLOYERS BLVD DEPERE, WI 54115 | HUMANA | — | — | $0 | 0.00% |
| MERITAIN HEALTH Filed as: AETNA LIFE INSURANCE POLICY | 151 FARMINGTON AVE HARTFORD, CT 06156 | AETNA | — | — | $0 | 0.00% |
| BCS INSURANCE COMPANY | 2 MID-AMERICA PLAZA SUITE 200 OAKBROOK TERRACE, IL 60181 | BCS INSURANCE COMPANY | — | — | $0 | 0.00% |
| DELTA DENTAL | P.O. BOC 30416 LANSING, MI 48333 | DELTA DENTAL | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS EIN 38-2383171 NONE | Plan Administrator; Direct payment from the plan Service code 14 | 3660 STUTZ DRIVE, STE 101 CANFIELD, OH 44406 | $101K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $98K |
| THE HORTON GROUP EIN 36-3672171 NONE | Insurance services; Consulting (general); Direct payment from the plan; Insurance brokerage commissions and fees Service code 16 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | $95K |
| MEYER, UNKOVIC & SCOTT LLP EIN 25-1008021 NONE | Legal; Direct payment from the plan Service code 29 | 535 SMITHFIELD ST 1300 PITTSBURGH, PA 15222 | $31K |
| LOGAN METTLEY & NEWCOMER, PLC EIN 33-1365351 NONE | Legal; Direct payment from the plan Service code 29 | 5 HOT METAL ST, SUITE 203 PITTSBURGH, PA 15203 | $24K |
| DGPERRY, PLLC EIN 83-3033790 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 3711 STARRS CENTRE DR CANFIELD, OH 44406 | $21K |
| MARINER WEALTH ADVISORS, LLC EIN 80-0861455 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | 875 GREENTREE ROAD PITTSBURGH, PA 15220 | $21K |
| ACRISURE EIN 26-3554656 NONE | Actuarial; Direct payment from the plan Service code 11 | 444 LIBERTY AVE ST 605 PITTSBURGH, PA 15222 | $9K |
| LEONARD A CORONA III TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 626 NORTH FOURTH STREET STEUBENVILLE, OH 43952 | $8K |
| TRAVIS BOOTH TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 626 NORTH FOURTH STREET STEUBENVILLE, OH 43952 | $8K |
| GREG SERAFINI TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 626 NORTH FOURTH STREET STEUBENVILLE, OH 43952 | $6K |
| KEVAN BROWN TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 626 NORTH FOURTH STREET STEUBENVILLE, OH 43952 | $6K |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 129 | $34K |
| Vision | VSP VISION CARE | 153 | $21K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AETNA | 207 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.