| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MR INS PARTNERS AGENCY INC3 | 3310 PROSPECT AVE E CLEVELAND, OH 44115 | HUMANA INSURANCE COMPANY | $14K | — | $14K | 27.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIUNI & PANICHI, INC. EIN 34-1322309 | Accounting (including auditing) Service code 10 | — | $19K |
| BONNIE MANNING EIN 34-6727973 EMPLOYEE | Employee (plan) Service code 30 | — | $16K |
| DIANNA BROWN EIN 34-6727973 EMPLOYEE | Employee (plan) Service code 30 | — | $12K |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 184 | $2.5M |
| Dental | MEDICAL MUTUAL | 184 | $2.5M |
| Vision | MEDICAL MUTUAL | 184 | $2.5M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 171 | $12K |
| Prescription drug | MEDICAL MUTUAL | 184 | $2.5M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 171 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.