| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: HRH-WILLIS OF OHIO | 775 YARD ST STE 200 COLUMBUS, OH 43212 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | $15K | $24K | 2.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | PO BOX 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $13K | 12.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | SUPERIOR DENTAL | $5K | — | $5K | 7.31% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 179 | $1.2M |
| Dental | SUPERIOR DENTAL | 158 | $65K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $105K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $105K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $105K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.