| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE ADMIN., LLC | 4550 LENA DRIVE MECHANICSBURG, OH 17055 | STANDARD INSURANCE COMPANY | $25K | $0 | $25K | 13.74% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 0.96% |
| AMERICAN INSURANCE ADMINISTRATORS3 | UNKNOWN MECHANICSBURG, PA 17055 | UNITED CONCORDIA INSURANCE COMPANY | $5K | $636 | $6K | 5.58% |
| AMERICAN INSURANCE ADMIN., INC.3 | 4550 LENA DRIVE MECHANICSBURG, NY 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $132 | $3K | 8.70% |
| CORPORATE SYNERGIES GROUP LLC3 | 1 HUNTINGTON QUAD, SUITE 4N02 MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60 | $0 | $60 | 0.17% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | $0 | $11 | 0.03% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | VISION BENEFITS OF AMERICA | $766 | — | $766 | 3.00% |
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 | 375 | 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) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 339 | $102K |
| Vision | VISION BENEFITS OF AMERICA | 242 | $26K |
| Life insurance | STANDARD INSURANCE COMPANY | 375 | $183K |
| Short-term disability | STANDARD INSURANCE COMPANY | 375 | $183K |
| Long-term disability | STANDARD INSURANCE COMPANY | 375 | $183K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 375 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
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.