| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID RINE INSURANCE3 | 33 MERTZ BLVD FAIRLAWN, OH 44333 | ROUNDSTONE | $7K | $34K | $41K | 11.68% |
| DAVID RINE INSURANCE3 Filed as: DAVID RINE INSURANCE SERVICES | 33 MERZ BLVD STE 1 FAIRLAWN, OH 44333 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 3.42% |
| SELECT GROUP BENEFITS LLC0 | 33 MERZ BLVD SUITE 1 FAIRLAWN, OH 44333 | AETNA LIFE INSURANCE CO. | $4K | $0 | $4K | 6.69% |
| EXPRESSLINK GENERAL AGENCY LLC0 | 4200 ROCKSIDE RD #103 CLEVELAND, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.25% |
| EXPRESSLINK GENERAL AGENCY LLC0 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE RD #103 CLEVELAND, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 7.62% |
| SELECT GROUP BENEFITS LLC0 | 33 MERZ BLVD SUITE 1 FAIRLAWN, OH 44333 | AETNA LIFE INSURANCE CO. | $50 | $0 | $50 | 2.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MUTUAL HEALTH SERVICES EIN 34-0648820 ADMINISTRATOR | Contract Administrator Service code 13 | — | $63K |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 222 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $36K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $36K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $228K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $228K |
| Stop-loss / reinsurancereinsurance | ROUNDSTONE | 97 | $348K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.