| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEVEN HILLS CLEVELAND BENEFIT PART3 Filed as: SEVEN HILLS CLEVELAND BENEFIT | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | GUARDIAN LIFE INSURANCE COMPANY | $12K | $902 | $13K | 10.76% |
| SEVENHILLS CLEVELAND LLC3 Filed as: SEVENHILLS CLEVELAND | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | STANDARD INSURANCE COMPANY | $5K | $669 | $6K | 8.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC MOUNTAIN | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 12.22% |
| USI INSURANCE SERVICES LLC3 | 3805 WEST CHESTER PIKE SUITE 200 NEWTOWN SQUARE, PA 19073 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 2.92% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | SUN LIFE ASSURANCE COMPANY OF CANADA | $661 | — | $661 | 1.23% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DR SUITE 990 MINNEAPOLIS, MN 55425 | STANDARD INSURANCE COMPANY | $7K | $441 | $8K | 15.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC MOUNTAIN | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $447 | — | $447 | 5.90% |
| USI INSURANCE SERVICES LLC3 | 3805 WEST CHESTER PIKE SUITE 200 NEWTOWN SQUARE, PA 19073 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $288 | $288 | 3.80% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 3500 AMERICAN BLVD W SUITE 450 MINNEAPOLIS, MN 55431 | SUN LIFE ASSURANCE COMPANY OF CANADA | $169 | — | $169 | 2.23% |
| ENROLLEASE3 Filed as: ONE DIGITIAL | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $128 | — | $128 | 1.69% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 166 | $119K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 227 | $61K |
| Short-term disability | STANDARD INSURANCE COMPANY | 120 | $49K |
| Long-term disability | STANDARD INSURANCE COMPANY | 235 | $68K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 227 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
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.