| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESRCH - LTD3 | 24500 CHAGRIN SLVD STE 365 BEACHWOOD, OH 44122 | STANDARD INSURANCE COMPANY - LTD | $7K | — | $7K | 7.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY - LTD | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | STANDARD INSURANCE COMPANY - LTD | $5K | — | $5K | 5.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN/MCGRAW - LTD | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY - LTD | $1K | — | $1K | 1.17% |
| CENTRO BENEFITS RESRCH - LIFE3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | STANDARD INSURANCE COMPANY - LIFE | $5K | — | $5K | 8.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN - LIFE | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | STANDARD INSURANCE COMPANY - LIFE | $3K | — | $3K | 5.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN/MCGRAW WENT - LIFE | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY - LIFE | $743 | — | $743 | 1.33% |
| CENTRO BENEFITS RESEARCH - STD3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | STANDARD INSURANCE COMPANY - STD | $4K | — | $4K | 7.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - STD | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | STANDARD INSURANCE COMPANY - STD | $3K | — | $3K | 5.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN/MCGRAW WENT STD | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY - STD | $512 | — | $512 | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 554161020 | VISION SERVICE PLAN | $1K | — | $1K | 10.05% |
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 | 336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 125 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY - LIFE | 333 | $56K |
| Short-term disability | STANDARD INSURANCE COMPANY - STD | 159 | $47K |
| Long-term disability | STANDARD INSURANCE COMPANY - LTD | 333 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.