| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 4700 ROCKSIDE RD, SUITE 540 CLEVELAND, OH 44131 | RELIASTAR LIFE INSURANCE COMPANY | $12K | $7K | $19K | 7.06% |
| EMPLOYEE BENEFITS INTERNATIONAL3 Filed as: EMPLOYEE BENEFITS INTERNATIONAL INC | 4700 ROCKSIDE RD, SUITE 540 CLEVELAND, OH 44131 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 0.42% |
| EMPLOYEE BENEFITS INTERNATIONAL3 Filed as: EMPLOYEE BENEFITS INTERNATIONAL INC | 4700 ROCKSIDE RD, SUITE 540 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $5 | $6K | 9.92% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $367 | $2K | 3.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 4700 ROCKSIDE RD, SUITE 540 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $577 | $4 | $581 | 0.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 4700 ROCKSIDE ROAD STE 540 CLEVELAND, OH 44131 | UNUM INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 4700 ROCKSIDE ROAD STE 540 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $2K | 16.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 4700 ROCKSIDE ROAD STE 540 CLEVELAND, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $679 | $14 | $693 | 7.01% |
| THOMAS S FARRO3 Filed as: THOMAS R DETTLING | 3291 STANLEY ROAD AKRON, OH 44333 | HARTFORD LIFE & ACCIDENT COMPANY | $30 | — | $30 | 15.08% |
No Schedule C service providers reported on this filing.
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 83 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $60K |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $91K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 152 | $270K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.