| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMANA INSURANCE COMPANY | P.O. BOX 740036 LOUISVILLE, KY 402017436 | HUMANA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IBEW LOCAL NO 129 FRINGE BENFITS EIN 34-1841503 BENEFIT ADMINISTRATION | Plan Administrator Service code 14 | 2235 WEST PARK DR, STE B LORAIN, OH 44053 | $160K |
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 CLAIMS PROCESSING | Claims processing Service code 12 | 2060 EAST 9TH ST CLEVELAND, OH 44115 | $160K |
| FIFTH THIRD INSTITUTIONAL SERVICES EIN 31-1051736 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | 600 SUPERIOR AVE EAST CLEVELAND, OH 44114 | $13K |
| BODINE PERRY EIN 41-2028444 INDEPENDENT AUDITOR | Accounting (including auditing) Service code 10 | 3711 STARRS CENTRE DR CANFIELD, OH 44406 | $13K |
| ALLOTTA FARLEY CO LPA EIN 34-1316963 LEGAL COUNSEL | Legal Service code 29 | 2222 CENTENNIAL RD TOLDEO, OH 43617 | $13K |
| FINDLEY DAVIES EIN 34-1213174 ACTUARIAL CONSULTANTS | Actuarial Service code 11 | 1300 E 9TH ST, STE 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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 169 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 460 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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."
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.