| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL BENEFIT PROGRAMS AGENCY3 | 5085 SQUIRREL BND COLUMBUS, OH 43220 | RELIASTAR LIFE INSURANCE COMPANY | $46K | — | $46K | 2.79% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $19K | $19K | 1.16% |
| REDTAIL LTD3 | 9999 BREWSTER LANE #100 POWELL, OH 43605 | ANTHEM BLUE CROSS BLUE SHIELD | $1K | — | $1K | 2.24% |
| NATIONAL BENEFIT PROGRAMS AGENCY3 | 5085 SQUIRREL BND COLUMBUS, OH 43220 | AETNA LIFE INSURANCE COMPANY | $118 | — | $118 | 0.41% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | EXPRESS SCRIPTS, INC. | $2K | — | $2K | 11.11% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | TRANSAMERICA INSURANCE CO | $2K | — | $2K | 12.58% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | — | — | $0 | 0.00% |
| REDTAIL LTD3 | 9999 BREWSTER LANE #100 POWELL, OH 43065 | ANTHEM BLUE CROSS BLUE SHIELD | $183 | — | $183 | 2.17% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | 1660 W 2ND - SUITE #650 CLEVELAND, OH 44113 | NATIONAL UNION | $1K | — | $1K | 15.00% |
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 | 1,550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 208 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,758 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 1,110 | $10.2M |
| Dental(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 686 | $117K |
| Vision(4 contracts, 4 carriers) | EYEMED VISION CARE | 1,125 | $136K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,418 | $1.6M |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 471 | $55K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,418 | $1.6M |
| Prescription drug(2 contracts, 2 carriers) | EXPRESS SCRIPTS, INC. | 10 | $29K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 662 | $639K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,418 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,418 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.