| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.R. INSURANCE PARTNERS AGENCY3 Filed as: MR INSURANCE PARTNERS AGENCY INC. | 3310 PROSPECT AVENUE CLEVELAND, OH 44115 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 7.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIUNI & PANICHI, INC. EIN 34-1322309 | Accounting (including auditing) Service code 10 | — | $16K |
| BONNIE MANNING EIN 34-6727973 EMPLOYEE | Employee (plan) Service code 30 | — | $6K |
| DIANNA BROWN EIN 34-6727973 EMPLOYEE | Employee (plan) Service code 30 | — | $6K |
| MARYANN FARABAUGH EIN 34-6727973 EMPLOYEE | Employee (plan) Service code 30 | — | $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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 140 | $3.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 140 | $3.0M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 140 | $3.0M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 169 | $17K |
| Prescription drug | MEDICAL MUTUAL | 140 | $847K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 169 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.