| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | COMMUNITY INSURANCE COMPANY | $55K | $0 | $55K | 2.19% |
| NATIONAL BENEFITS PROGRAMS, INC.3 | 5085 SQUIRREL BEND ROAD COLUMBUS, OH 43220 | COMMUNITY INSURANCE COMPANY | $11K | $0 | $11K | 0.46% |
| BROKERNET INC3 Filed as: BROKERNET, INC. | 110 NORTHWOODS BOULEVARD, SUITE C COLUMBUS, OH 43235 | COMMUNITY INSURANCE COMPANY | $0 | $2K | $2K | 0.07% |
| ASSUREDPARTNERS3 | 285 COZZINS STREET COLUMBUS, OH 43215 | HARTFORD LIFE AND ACCIDENT | $18K | $0 | $18K | 13.92% |
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 | 264 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 414 | $2.5M |
| Dental | COMMUNITY INSURANCE COMPANY | 414 | $2.5M |
| Vision | COMMUNITY INSURANCE COMPANY | 414 | $2.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 268 | $131K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 268 | $131K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 268 | $131K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 414 | $2.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 268 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.