| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK, STEVEN3 | PO BOX 52 TALLMADGE, OH 44278 | HEALTHKEEPERS, INC. | $13K | $0 | $13K | 1.86% |
| OHIO AUTO DEALERS ASSN INS3 Filed as: OHIO HEALTH BENEFITS LLC | 125 WEST AVE STE 101 TALLMADGE, OH 44278 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $772 | $11K | 9.31% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 132 | $684K |
| Dental(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 154 | $804K |
| Vision(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 154 | $804K |
| Life insurance(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 154 | $804K |
| Short-term disability(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 154 | $804K |
| Long-term disability(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 154 | $804K |
| Prescription drug | HEALTHKEEPERS, INC. | 132 | $684K |
| Stop-loss / reinsurancereinsurance | HEALTHKEEPERS, INC. | 132 | $684K |
| Other | HEALTHKEEPERS, INC. | 132 | $684K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.