| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TABIT ARGANBRIGHT & HAZELBAKER INC.3 Filed as: TABIT ARGANBRIGHT & HAZELBAKER, INC | 5007 PINE CREEK DRIVE WESTERVILLE, OH 43081 | COMMUNITY INSURANCE COMPANY | — | $2K | $2K | 0.93% |
| TABIT ARGANBRIGHT & HAZELBAKER INC.3 Filed as: TABIT ARGANBRIGHT & HAZELBAKER, INC | 5007 PINE CREEK DRIVE WESTERVILLE, OH 43081 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 8.32% |
| TABIT ARGANBRIGHT & HAZELBAKER INC.3 Filed as: TABIT ARGANBRIGHT & HAZELBAKER, INC | 5007 PINE CREEK DRIVE WESTERVILLE, OH 43081 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Float revenue; Other services; Insurance agents and brokers; Other commissions; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 12 | — | $92K |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 95 | $0 |
| Dental | COMMUNITY INSURANCE COMPANY | 95 | $0 |
| Vision | COMMUNITY INSURANCE COMPANY | 123 | $261K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 257 | $14K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 123 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
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.