| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE SERVICES | PO BOX 842167 DALLAS, TX 75284 | SYMETRA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.12% |
| WATCHTOWER BENEFITS, LLC3 | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60614 | SYMETRA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.02% |
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | SYMETRA LIFE INSURANCE COMPANY | $172 | $2K | $3K | 1.97% |
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER, LLC | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | SYMETRA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.91% |
| USI INSURANCE SERVICES LLC3 | 1161 NORTH MERIDIAN STREET SUITE 230 CARMEL, IN 46032 | SYMETRA LIFE INSURANCE COMPANY | $236 | $0 | $236 | 0.18% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | SYMETRA LIFE INSURANCE COMPANY | $0 | $24 | $24 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | SYMETRA LIFE INSURANCE COMPANY | $0 | $18 | $18 | 0.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $296 | $0 | $296 | 2.60% |
| GREGORY & APPEL, INC.3 | 433 NORTH CAPITOL AVENUE, SUITE 400 INDIANAPOLIS, IN 46204 | VISION SERVICE PLAN | $223 | $0 | $223 | 1.96% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $52 | $0 | $52 | 0.46% |
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 | 75 | 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) | 75 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 75 | $11K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 25 | $134K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 25 | $134K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 25 | $134K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 25 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.