| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ROMIG AGENCY INC3 Filed as: THE ROMIG AGENCY | 316 E 3RD STREET UHRICHSVILLE, OH 446831823 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PL CHICAGO, IL 606731932 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PL CHICAGO, IL 606731932 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 10.00% |
| THE ROMIG AGENCY INC3 Filed as: ROMIG INSURANCE AGENCY | 316 E 3RD ST UHRICHSVILLE, OH 446831823 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PL CHICAGO, IL 606731932 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PL CHICAGO, IL 606731932 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PL CHICAGO, IL 606731932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $614 | — | $614 | 1.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PL CHICAGO, IL 606731932 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PL CHICAGO, IL 606731932 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $811 | $0 | $811 | 10.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 93245 NETWORK PLACE CHICAGO, IL 606731932 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 ADMINISTRATION | Contract Administrator Service code 13 | P.O. BOX 7639 PHILADELPHIA, PA 19176 | $15K |
| COMPSYCH C/0 PRUDENTIAL INSURANCE EIN 35-3739783 ADMINISTRATION | Contract Administrator Service code 13 | P.O. BOX 7639 PHILADELPHIA, PA 19176 | $0 |
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 | 825 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,331 | $346K |
| Vision | VISION SERVICE PLAN | 457 | $91K |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 825 | $135K |
| Long-term disability(3 contracts, 3 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 634 | $228K |
| Other(2 contracts) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 825 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,331 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.