| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $12K | $16K | $27K | 3.38% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 43604 | HARTFORD LIFE AND ACCIDENT | $59 | $0 | $59 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | -$314 | -$314 | -0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INSURANCE | 32332 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $5K | $0 | $5K | 13.22% |
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 | 664 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 191 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 882 | $290K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 874 | $38K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 642 | $812K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 642 | $812K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 642 | $812K |
| Other | HARTFORD LIFE AND ACCIDENT | 642 | $812K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 882 | — |
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."
No prospect flags tripped on this filing.