| 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 |
|---|---|---|---|
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 NONE | Direct payment from the plan; Claims processing Service code 12 | 2060 EAST 9TH ST CLEVELAND, OH 44115 | $178K |
| IBEW LOCAL NO 129 FRINGE BENFITS EIN 34-1841503 BENEFIT ADMINISTRATION | Direct payment from the plan; Plan Administrator Service code 14 | 2235 WEST PARK DR, STE B LORAIN, OH 44053 | $140K |
| SEGAL NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | 1300 EAST NINTH STREET 216-687-4400 CLEVELAND, OH 44114 | $78K |
| ALLOTTA FARLEY CO LPA EIN 34-1316963 NONE | Legal; Direct payment from the plan Service code 29 | 3240 LEVIS COMMONS BLVD PERRYSBURG, OH 43551 | $32K |
| BODINE PERRY EIN 83-3033790 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 3711 STARRS CENTRE DR CANFIELD, OH 44406 | $13K |
| ANCORA NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 6060 PARKLAND BLVD 200 CLEVALAND, OH 44124 | $7K |
| KEY BANK NONE | Investment management; Custodial (securities); Investment management fees paid indirectly by plan Service code 19 | 100 PUBLIC SQUARE CLEVALAND, OH 44113 | $5K |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 153 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 304 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.