| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 4000 SMITH RD CINCINNATI, OH 45209 | RELIASTAR LIFE INSURANCE COMPANY | $171K | $0 | $171K | 6.91% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES - MACE BENEFITS GROUP INC | 5775 GLENRIDGE DR STE E500 ATLANTA, GA 30328 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $44K | $44K | 1.76% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS, LLC. | 200 INTERNATIONAL CIR STE 4500 COCKEYSVILLE, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $26K | $0 | $26K | 1.03% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC-SCOTT HEISER | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF OHIO | $93K | $0 | $93K | 8.67% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 5905 E GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | $0 | $44K | 8.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $0 | $22K | 4.19% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC. | 5905 E GALBRAITH RD. #5000 CINCINNATI, OH 45236 | EYEMED VISION CARE | $17K | $0 | $17K | 8.19% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 744831 ATLANTA, GA 30374 | ARMADACARE | $688 | $0 | $688 | 0.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 312 ELM ST 24TH FLR CINCINNATI, OH 45202 | ARMADACARE | $338 | $0 | $338 | 0.32% |
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 | 6,287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 327 | $755K |
| Dental | DELTA DENTAL OF OHIO | 6,157 | $1.1M |
| Vision(2 contracts) | EYEMED VISION CARE | 3,808 | $204K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 6,561 | $2.5M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 6,561 | $2.5M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 6,561 | $2.5M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 6,561 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,561 | — |
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.