| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE, INC. | 25700 SCIENCE PARK DRIVE SUITE 130 BEACHWOOD, OH 441227317 | UNITEDHEALTHCARE INSURANCE COMPANY | $71K | $5K | $76K | 5.32% |
| SAVIN SALES ASSOCIATES INC3 Filed as: SAVIN SALES ASSOCIATES, INC. | 8110 CHAGRIN ROAD CHAGRIN FALLS, OH 440234744 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 0.86% |
| ENTERPRISE GROUP PLANNING, INC.3 | 5910 HARPER ROAD CLEVELAND, OH 44139 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 10.94% |
| RONALD J. FLEETER, INC.3 | 25700 SCIENCE PARK DRIVE SUITE 130 BEACHWOOD, OH 441227317 | VISION SERVICE PLAN | $880 | — | $880 | 6.76% |
| THE CORNING GROUP3 Filed as: THE CORNING GROUP, INC. | 8353 MENTOR AVENUE MENTOR, OH 44060 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $1.4M |
| Vision | VISION SERVICE PLAN | 116 | $13K |
| Life insurance | FEDERAL INSURANCE COMPANY | 119 | $12K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 120 | $34K |
| Other | FEDERAL INSURANCE COMPANY | 119 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.