| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENNER INSURANCE AGENCY3 | 433 AUGUSTUS DRIVE HIGHLAND HEIGHTS, OH 44143 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 4.45% |
| LAWRENCE BRENNER3 | 433 AUGUSTUS DRIVE HIGHLAND HEIGHTS, OH 44143 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.50% |
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE INC | 25700 SCIENCE PARK DR. STE. 130 BEACHWOOD, OH 44122 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $2K | $5K | 12.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ENTERPRISE GROUP PLANNING, INC. PLAN ADMINISTRATOR | Other fees Service code 99 | — | $398K |
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 | 640 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GERBER LIFE INSURANCE COMPANY | 776 | $800K |
| Dental | GERBER LIFE INSURANCE COMPANY | 507 | $763K |
| Vision | GERBER LIFE INSURANCE COMPANY | 507 | $763K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 615 | $298K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 615 | $298K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 615 | $298K |
| Prescription drug | GERBER LIFE INSURANCE COMPANY | 507 | $763K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 507 | $763K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 615 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 776 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.