| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | SERVICES LLC DBA BENEFITMALL 4851 LBJ FRWY STE 100 DALLAS, TX 75244 | SYMETRA LIFE INSURANCE COMPANY | $0 | $30K | $30K | 5.91% |
| TABIT ARGANBRIGHT & HAZELBAKER INC.3 Filed as: TABIT ARGANBRIGHT & HAZELBAKER, INC | 5007 PINE CREEK DRIVE WESTERVILLE, OH 43081 | COMMUNITY INSURANCE COMPANY | $5K | $2K | $7K | 8.31% |
| TABIT ARGANBRIGHT & HAZELBAKER INC.3 Filed as: TABIT ARGANBRIGHT & HAZELBAKER, INC | 5007 PINE CREEK DR WESTERVILLE, OH 43081 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 11.36% |
| TABIT ARGANBRIGHT & HAZELBAKER INC.3 Filed as: TABIT ARGANBRIGHT & HAZELBAKER, INC | 5007 PINE CREEK DRIVE WESTERVILLE, OH 43081 | ANTHEM LIFE INSURANCE COMPANY | $579 | — | $579 | 9.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INGENIORX, INC. | Other commissions; Other services; Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers Service code 12 | — | $151K |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Insurance brokerage commissions and fees; Other commissions; Contract Administrator; Float revenue Service code 12 | — | $52K |
| TABIT ARGANBRIGHT & HAZELBAKER INC. | Other services; Other commissions; Insurance agents and brokers; Contract Administrator; Claims processing; Insurance brokerage commissions and fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $13K |
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 | 381 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 145 | $88K |
| Dental | COMMUNITY INSURANCE COMPANY | 145 | $88K |
| Vision | COMMUNITY INSURANCE COMPANY | 145 | $88K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 381 | $17K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 145 | $602K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.