| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PARTNERS AGENCY INC3 Filed as: INSURANCE PARTNERS AGENCY INC. | 26865 CENTER RIDGE RD WESTLAKE, OH 441454042 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 11.67% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: INSURANCE PARTNERS AGENCY LLC | 26865 CENTER RIDGE ROAD WESTLAKE, OH 44145 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 2.29% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $472 | $0 | $472 | 0.85% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $269 | $0 | $269 | 2.04% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: INSURANCE PARTNERS AGENCY LLC | 26865 CENTER RIDGE ROAD WESTLAKE, OH 44145 | STANDARD INSURANCE COMPANY | $110 | $0 | $110 | 0.83% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 109 | $56K |
| Vision | STANDARD INSURANCE COMPANY | 93 | $13K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 162 | $78K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 162 | $78K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 162 | $78K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 162 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.