| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TABIT ARGANBRIGHT & HAZELBAKER INC.3 Filed as: TABIT, ARGANBRIGHT & HAZELBAKER, IN | 5007 PINE CREEK DR. WESTERVILLE, OH 43081 | UNITED HEALTHCARE | $0 | $77K | $77K | 4.79% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE GROUP, LLC | 1900 POLARIS PARKWAY COLUMBUS, OH 43240 | GUARDIAN | $5K | $3K | $8K | 2.63% |
| TABIT ARGANBRIGHT & HAZELBAKER INC.3 Filed as: TABIT ARGANBRIGHT & HAZELBAKER | 5007 PINE CREEK DRIVE WESTERVILLE, OH 43081 | GUARDIAN | $5K | — | $5K | 1.61% |
| LIFETIME FINANCIAL GROWTH3 | 8425 PULSAR PLACE COLUMBUS, OH 43240 | GUARDIAN | $47 | — | $47 | 0.02% |
| TABIT ARGANBRIGHT & HAZELBAKER INC.3 Filed as: TABIT ARGANBRIGHT & HAZELBAKER | 5007 PINE CREEK DRIVE WASTERVILLE, OH 43081 | NATIONWIDE | $12K | — | $12K | 7.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | NATIONWIDE | $2K | — | $2K | 0.99% |
| TABIT ARGANBRIGHT & HAZELBAKER INC.3 Filed as: TABIT, ARGANBRIGHT & HAZELBAKER, IN | 5007 PINE CREEK DR WESTERVILLE, OH 43081 | CRUM & FOSTER | $243 | — | $243 | 8.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | CRUM & FOSTER | $32 | — | $32 | 1.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRINGE INSURANCE BENEFITS INC. EIN 74-2616364 ADMINSTRATOR | Plan Administrator Service code 14 | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | $60K |
| TABIT, ARGANBRIGHT & HAZELBAKER, IN EIN 31-0878270 BROKER | Insurance brokerage commissions and fees Service code 53 | 5007 PINE CREEK DR WESTERVILLE, OH 43081 | $13K |
| FIRST HEALTH EIN 20-1736437 ADMINISTRATOR | Other commissions Service code 55 | 3200 HIGHLAND AVENUE DOWNERS GROVE, IL 60515 | $9K |
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 | 597 | 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) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 597 | $1.6M |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 272 | $293K |
| Long-term disability | GUARDIAN | 272 | $290K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 323 | $156K |
| Other | GUARDIAN | 272 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.