| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH PARTNER GROUP | AN AMWINS COMPANY 18700 HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | UNIMERICA INSURANCE COMPANY | $48K | — | $48K | 9.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD STE 250 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $783 | $11K | 16.37% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH), INC | 7438 JAGER COURT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 7.72% |
| SHAWN HEITNER3 | 1113 MEDINA ROAD SUITE 500 MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| SARAH L PAVLOVICH3 | 4087 HUNTERS WAY BRUNSWICK, OH 44212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $69K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $69K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 95 | $538K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.