| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 285 COZZINS STREET COLUMBUS, OH 43215 | KAISER FOUNDATION HEALTH PLAN INC | $65K | $0 | $65K | 0.92% |
| ASSUREDPARTNERS3 | 285 COZZINS STREET COLUMBUS, OH 43215 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | $0 | $32K | 0.95% |
| ASSUREDPARTNERS3 | 5085 SQUIRREL BEND COLUMBUS, OH 43220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 6.41% |
| UNKNOWN3 | UNKNOWN BRECKSVILLE, OH 44141 | ANTHEM BLUE CROSS AND BLUE SHIELD | $1K | — | $1K | 2.14% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.94% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $2K | $0 | $2K | 7.78% |
| ASSUREDPARTNERS3 | 285 COZZINS STREET COLUMBUS, OH 43215 | EXPRESS SCRIPTS, INC. | $294 | $0 | $294 | 1.32% |
| ASSUREDPARTNERS3 | 285 COZZINS STREET COLUMBUS, OH 43215 | TRANSAMERICA INSURANCE CO. | $662 | $0 | $662 | 3.15% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $375 | $0 | $375 | 1.78% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | 950 MAIN AVENUE, SUITE 1600 CLEVELAND, OH 44113 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $1K | $0 | $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 | 607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 884 | $10.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 12 | $36K |
| Vision(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 858 | $505K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 607 | $432K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 607 | $432K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 884 | $10.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 607 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 884 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.