| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICAL MUTUAL OF OHIO | 2060 EAST NINTH STREET CLEVELAND, OH 44115 | MEDICAL MUTUAL OF OHIO | $340K | — | $340K | 146.80% |
| MERITAIN HEALTH Filed as: AETNA LIFE INSURANCE COMPANY | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | AETNA | $213K | — | $213K | 132.47% |
| HUMANA INSURANCE COMPANY3 | 1100 EMPLOYERS BLVD DEPERE, WI 54115 | HUMANA GROUP MEDICARE ADVANTAGE | — | $106K | $106K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEGAL ADVISORS EIN 13-2646110 | Consulting (general) Service code 16 | PO BOX 4142 CHURCH STREET STATION NEW YORK, NY 102614142 | $96K |
| R M KOMOROWSKI JR CPA INC EIN 45-4003557 NONE | Contract Administrator Service code 13 | 626 NORTH FOURTH STREET - SUITE 105 STEUBENVILLE, OH 43952 | $93K |
| MACALA & PIATT LLC EIN 34-1933033 NONE | Legal Service code 29 | 601 SOUTH MAIN STREET NORTH CANTON, OH 44720 | $67K |
| KOZICKI HUGHES TICKERHOOF PLLC EIN 55-0526247 NONE | Accounting (including auditing) Service code 10 | 32 TWENTIETH STREET - SUITE 300 WHEELING, WV 26003 | $21K |
| COWDEN ASSOCIATES EIN 25-1750131 NONE | Actuarial Service code 11 | FOUR GATEWAY CENTER - SUITE 605 PITTSBURGH, PA 15222 | $18K |
| DIPIERO SOFTWARE SERVICES INC. | Other services Service code 49 | 3140 CRESTLINE DRIVE STEUBENVILLE, OH 43952 | $8K |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 88 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MEDICAL MUTUAL OF OHIO | 206 | $498K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 206 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.