| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD ST COLUMBUS, OH 43212 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 5.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD ST, STE 200 COLUMBUS, OH 43212 | RELIASTAR LIFE INSURANCE COMPANY | $13K | — | $13K | 14.33% |
| BENESOLV3 Filed as: BENESOLV, LLC | 895 CENTRAL AVE, STE 1000 CINCINNATI, OH 45202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $363 | — | $363 | 3.33% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES - DIV 3 2300 NW CORPORATE BLVD, STE 215 BOCA RATON, FL 33431 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $182 | — | $182 | 1.67% |
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 | 455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 461 | $96K |
| Vision | COMMUNITY INSURANCE COMPANY | 120 | $17K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 427 | $90K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 427 | $90K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 427 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.