| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ANALYSIS CORPORATION3 | 1930 PRIME COURT SUITE 103 TROY, OH 45373 | COMMUNITY INSURANCE COMPANY | $25K | $3K | $28K | 2.58% |
| BENEFITS ANALYSIS CORPORATION3 | 1930 PRIME COURT SUITE 103 TROY, OH 45373 | SUPERIOR DENTAL CARE INC | $2K | $1 | $2K | 3.47% |
| LEEN SPITLER BENEFITS GROUP LLC3 | 8051 WASHINGTON VILLAGE DRIVE SUITE 120 DAYTON, OH 45458 | SUPERIOR DENTAL CARE INC | $2K | — | $2K | 3.47% |
| BENEFITS ANALYSIS CORPORATION3 | 1930 PRIME COURT SUITE 103 TROY, OH 45373 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 12.79% |
| BENEFITS ANALYSIS CORPORATION3 | 1930 PRIME COURT SUITE 103 TROY, OH 45373 | STANDARD INSURANCE COMPANY | $659 | — | $659 | 12.75% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 120 | $1.1M |
| Dental | SUPERIOR DENTAL CARE INC | 108 | $68K |
| Life insurance | STANDARD INSURANCE COMPANY | 220 | $5K |
| Short-term disability | STANDARD INSURANCE COMPANY | 220 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.