| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BENEFIT ADVISORS L | 6200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | MEDICAL MUTUAL OF OHIO | $28K | $4 | $28K | 4.64% |
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER ROAD SUITE 105 WESTLAKE, OH 44145 | MEDICAL MUTUAL OF OHIO | $2K | — | $2K | 0.40% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44113 | MEDICAL MUTUAL OF OHIO | — | $2 | $2 | 0.00% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BEN ADVISORS LLC | 6200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.79% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.08% |
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER ROAD SUITE 105 WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $261 | $541 | $802 | 1.81% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $180 | $180 | 0.41% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BEN ADVISORS LLC | 6200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.88% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.41% |
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER ROAD SUITE 105 WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $354 | $726 | $1K | 3.94% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $242 | $242 | 0.88% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BEN ADVISORS LLC | 6200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.14% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $853 | $853 | 4.42% |
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER ROAD SUITE 105 WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $166 | $512 | $678 | 3.51% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $171 | $171 | 0.89% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BEN ADVISORS LLC | 6200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.68% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $727 | $727 | 4.53% |
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER ROAD SUITE 105 WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $211 | $436 | $647 | 4.03% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $145 | $145 | 0.90% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BEN ADVISORS LLC | 6200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $776 | — | $776 | 9.14% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $376 | $376 | 4.43% |
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER ROAD SUITE 105 WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $73 | $226 | $299 | 3.52% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $75 | $75 | 0.88% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BEN ADVISORS LLC | 6200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $400 | — | $400 | 9.20% |
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER ROAD SUITE 105 WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35 | — | $35 | 0.81% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 95 | $608K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $44K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 44 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $27K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.