| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC3 | — | FAIR AMERICAN INSURANCE & REINSURANCE COMPANY | $47K | — | $47K | 18.43% |
| CIGNA3 | — | FAIR AMERICAN INSURANCE & REINSURANCE COMPANY | $20K | — | $20K | 7.90% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 4244 MOUNT PLEASANT STREET NORTHWES SUITE 200 NORTH CANTON, OH 44720 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $19 | $9K | 6.10% |
| SCHAUER GROUP INC3 Filed as: SCHAUER INDEPENDENT INSURANCE | 200 MARKET AVENUE NORTH SUITE 100 CANTON, OH 44702 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.28% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 4244 MOUNT PLEASANT STREET NORTHWES SUITE 200 NORTH CANTON, OH 44720 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $19 | $1K | 9.48% |
| SCHAUER GROUP INC3 Filed as: SCHAUER INDEPENDENT INSURANCE | 200 MARKET AVENUE NORTH SUITE 100 CANTON, OH 44702 | METROPOLITAN LIFE INSURANCE COMPANY | $88 | — | $88 | 0.72% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 4244 MOUNT PLEASANT STREET NORTHWES SUITE 200 NORTH CANTON, OH 44720 | METROPOLITAN LIFE INSURANCE COMPANY | $726 | $19 | $745 | 9.69% |
| SCHAUER GROUP INC3 Filed as: SCHAUER INDEPENDENT INSURANCE | 200 MARKET AVENUE NORTH SUITE 100 CANTON, OH 44702 | METROPOLITAN LIFE INSURANCE COMPANY | $141 | — | $141 | 1.83% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 211 | $155K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 211 | $155K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 211 | $155K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 211 | $155K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 211 | $155K |
| Stop-loss / reinsurancereinsurance | FAIR AMERICAN INSURANCE & REINSURANCE COMPANY | 107 | $258K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 211 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.