| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABRADOR BROKERAGE AGENCY, LLC3 | 7269 SAWMILL ROAD SUITE 100 DUBLIN, OH 43016 | AMERICAN UNITED LIFE INSURANCE COMPANY | $15K | — | $15K | 9.01% |
| BAC AGENCY, INC.5 | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | UNITED HEALTHCARE | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESS ADMINISTRATORS & CONS. INC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | $94K |
| EMERALD FINANCIAL ADVISORS INSURANCE AGENT | Insurance agents and brokers Service code 22 | 7269 SAWMILL ROAD SUITE 100 DUBLIN, OH 43016 | $52K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NETWORK PROVIDER | Insurance services Service code 23 | — | $37K |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 210 | $252K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 277 | $163K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 277 | $163K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 277 | $163K |
| Prescription drug | UNIMERICA INSURANCE COMPANY | 210 | $252K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 210 | $252K |
| Other | UNITED HEALTHCARE | 210 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.