| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAWSON INSURANCE3 Filed as: DAWSON INSURANCE INC | 2267 VILLAGE MALL DR ONTARIO, OH 449061152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DAN DARROW EIN 34-6564615 EMPLOYEE | Employee (plan) Service code 30 | 272 W MARKET ST AKRON, OH 44303 | $33K |
| JENNIFER CARCIONE EIN 34-6564615 EMPLOYEE | Employee (plan) Service code 30 | 272 W MARKET ST AKRON, OH 44303 | $32K |
| TEAMSTERS LOCAL UNION 348 EIN 32-5822490 UNION SPONSOR | Other services Service code 49 | 272 W MARKET ST AKRON, OH 44303 | $14K |
| PRIJATEL & ASSOCIATES EIN 34-1325019 AUDITOR | Accounting (including auditing) Service code 10 | 34950 CHARDON RD WILLOUGHBY, OH 44094 | $10K |
| FINDLEY DAVIS INC EIN 34-1213174 ACTUARY | Actuarial Service code 11 | 1300 E 9TH STREET SUITE 850 CLEVELAND, OH 44114 | $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 | 499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 499 | $6.0M |
| Dental | DELTA DENTAL OF OHIO | 814 | $203K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 516 | $40K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 516 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.