| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $1K | $5K | 8.24% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | MEDMUTUAL LIFE INSURANCE COMPANY | $3K | $436 | $3K | 14.44% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED EMPLOYEE BENEFIT SOLU | 99 WOOD AVENUE SOUTH ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $879 | $0 | $879 | 4.89% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | $17 | $215 | 1.20% |
| JAMES D SAMS3 Filed as: JAMES D. SAMS | 239 FENWAY ROAD COLUMBUS, OH 43214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | $0 | $194 | 1.08% |
| HOWARD MESZAROS & OTHER AGENTS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.41% |
| DIANA RAUCH3 | 420 BUCKMEYER COURT MARYSVILLE, OH 43040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.32% |
| SHERRIE LYNN BUCHANAN3 | 815 SAVANNAH DRIVE COLUMBUS, OH 43228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.30% |
| MICHAEL FRANKS3 | 10589 LAGUNA CIRCLE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 0.28% |
| USI INSURANCE SERVICES LLC3 | 5455 RINGS ROAD, SUITE 250 DUBLIN, OH 43017 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $1K | 8.02% |
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 | 274 | 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) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 128 | $58K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 264 | $13K |
| Life insurance(2 contracts, 2 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 274 | $39K |
| Other(2 contracts, 2 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 274 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.