| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK INC. | $32K | — | $32K | 4.47% |
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE INC | 25700 SCIENCE PARK DR STE 130 BEACHWOOD, OH 44122 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $2K | $27K | 4.13% |
| SAVIN SALES ASSOCIATES INC3 | 8110 CHAGRIN RD CHAGRIN FALLS, OH 440234744 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 1.22% |
| MICHAEL BARRETT3 | 3628 WALNUT HILLS AVE STE 200 BEACHWOOD, OH 441224484 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 2.98% |
| BARRETT BENEFITS GROUP3 | 4628 WALNUT HILLS RD, STE 102 CLEVELAND, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.40% |
| THE INDEMNITY GROUP LLC3 | 3628 WALNUT HILLS AVE STE 200 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $501 | $560 | $1K | 1.49% |
| BARRETT BENEFITS GROUP3 | 4628 WALNUT HILLS RD, STE 102 CLEVELAND, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.15% |
| THE INDEMNITY GROUP LLC3 | 3628 WALNUT HILLS AVE STE 200 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $520 | $763 | $1K | 2.73% |
| BARRETT BENEFITS GROUP3 | 4628 WALNUT HILLS RD, STE 102 CLEVELAND, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.76% |
| THE INDEMNITY GROUP LLC3 | 3628 WALNUT HILLS AVE STE 200 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $437 | $706 | $1K | 3.25% |
| BARRETT BENEFITS GROUP3 | 4628 WALNUT HILLS RD, STE 102 CLEVELAND, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.59% |
| THE INDEMNITY GROUP LLC3 | 3628 WALNUT HILLS AVE STE 200 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $468 | $730 | $1K | 3.60% |
| BARRETT BENEFITS GROUP3 | 4628 WALNUT HILLS RD, STE 102 CLEVELAND, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $844 | — | $844 | 9.28% |
| THE INDEMNITY GROUP LLC3 | 3628 WALNUT HILLS AVE STE 200 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $65 | $156 | $221 | 2.43% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIGHMARK INC. | 171 | $1.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $71K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $44K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $47K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.