| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LLC. | 3900 KINROSS LAKES PKWY STE 300 RICHFIELD, OH 44286 | UNION SECURITY INSURANCE COMPANY | $33K | — | $33K | 11.54% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LLC | 1340 DEPOT ST SUITE 300 CLEVELAND, OH 44116 | DELTA DENTAL OF VIRGINIA | $39K | — | $39K | 16.97% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS DBA DAWSON INSURANC | 1340 DEPOT STREET SUITE 300 ROCKY RIVER, OH 44116 | EYEMED VISION CARE DBA FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.80% |
| DAWSON COMPANIES3 | 3900 KINROSS LAKES PKWY #300 RICHFIELD, OH 44286 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $609 | — | $609 | 8.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LLC | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14 | — | $14 | 6.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEM | Float revenue; Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $210K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $202K |
| ASSUREDPARTNERS OF OHIO, LLC EIN 80-0786940 BROKER | Other commissions Service code 55 | — | $66K |
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 | 523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 1 | $8K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 767 | $236K |
| Vision | EYEMED VISION CARE DBA FIDELITY SECURITY LIFE INSURANCE COMPANY | 621 | $36K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 523 | $289K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 523 | $289K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 523 | $289K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 357 | $280K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 523 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 767 | — |
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.