| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP/VANTAGE BENEFIT ADVISORS | 6200 ROCKSIDE ROAD CLEVELAND, OH 44131 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $9K | $26K | 15.34% |
| INSURANCE APPLICATIONS GROUP3 | — | BCS INSURANCE COMPANY | $8K | — | $8K | 12.00% |
| INSURANCE APPLICATIONS GROUP3 | — | BCS INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE/BENEFIT ADVISORS | 6200 ROCKSIDE ROAD CLEVELAND, OH 44131 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 34.63% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $167K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $167K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $167K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $167K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $167K |
| Prescription drug | EXPRESS SCRIPS, INC. | 139 | $233K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 139 | $534K |
| Other(4 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.