| 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 | $83K | $8K | $91K | 7.02% |
| SAVIN SALES ASSOCIATES INC3 Filed as: SAVIN SALES ASSOCIATES, INC. | 8110 CHAGRIN ROAD CHAGRIN FALLS, OH 440234744 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.12% |
| THE CORNING GROUP3 | 8353 MENTOR AVENUE MENTOR, OH 44060 | AMERITAS LIFE | $16K | — | $16K | 27.03% |
| ENTEPRISE GROUP PLANNING INC3 | 5910 HARPER ROAD CLEVELAND, OH 44139 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 12.03% |
| RONALD J. FLEETER, INC.3 Filed as: RONALD J FLEETER INC | 25700 SCIENCE PARK DRIVE SUITE 130 BEACHWOOD, OH 441227317 | VISION SERVICE PLAN | $978 | — | $978 | 6.40% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 279 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 279 | $1.3M |
| Vision | VISION SERVICE PLAN | 141 | $15K |
| Life insurance(2 contracts, 2 carriers) | AMERITAS LIFE | 146 | $120K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $23K |
| Other(2 contracts, 2 carriers) | AMERITAS LIFE | 146 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.