| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE INC | 25700 SCIENCE PARK DR STE 130 BEACHWOOD, OH 44122 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 4.28% |
| SAVIN SALES ASSOCIATES INC3 | 8110 CHAGRIN RD CHAGRIN FALLS, OH 44023 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 1.11% |
| THE INDEMNITY GROUP LLC3 | 3628 WALNUT HILLS AVE STE 200 ORANGE VILLAGE, OH 44122 | AETNA | $21K | — | $21K | 5.77% |
| THE INDEMNITY GROUP LLC3 | 3628 WALNUT HILLS RD #200 ORANGE VILLAGE, OH 44122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 12.39% |
| MICHAEL BARRETT3 | 3628 WALNUT HILLS AVE STE 200 BEACHWOOD, OH 441224484 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 2.74% |
| THE INDEMNITY GROUP LLC3 | 3628 WALNUT HILLS AVE STE 200 ORANGE VILLAGE, OH 44122 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $5K | $8K | 11.22% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN LIFE INSURANCE COMPANY | $15 | — | $15 | 0.02% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 155 | $1.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 95 | $68K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $87K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $87K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $87K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.