| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD3 | 9999 BREWSTER LN, STE 1000 POWELL, OH 43065 | MEDICAL MUTUAL OF OHIO | $32K | $20K | $52K | 2.96% |
| CHRIS HEASLIP & ASSOCIATES, INC.3 | 23160 FASHION DRIVE SUITE 217 ESTERO, FL 339282567 | BLUE CROSS BLUE SHIELD OF FLORIDA | $51K | — | $51K | 5.00% |
| REDTAIL LTD3 | 9999 BREWSTER LN, STE 1000 POWELL, OH 43065 | GUARDIAN | $28K | $12K | $40K | 11.77% |
| CHRIS HEASLIP & ASSOCIATES, INC.3 | 23160 FASHION DRIVE SUITE 217 ESTERO, FL 33928 | GUARDIAN | $8K | $3K | $12K | 7.73% |
| CHRISTOPHER K HEASLIP3 | 2842 COACH HOUSE WAY NAPLES, FL 34105 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.97% |
| REGIONS INSURANCE INC3 | PO BOX 3198 LITTLE ROCK, AR 72203 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $503 | — | $503 | 1.14% |
| HARRRISON-DAVIS INC3 | 5426 BAY CENTER DR SUITE 550 TAMPA, FL 33609 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $61 | — | $61 | 0.14% |
| ALLEN FINANCIAL GROUP, PA3 Filed as: ALLEN FINANCIAL GROUP PA | 5898 RIDGEWOOD ROAD SUITE A JACKSON, MS 39236 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.02% |
| REDTAIL LTD3 | 9999 BREWSTER LN, STE 100 POWELL, OH 43065 | UNITEDHEALTHCARE INSURANCE COMPANY | $230 | $240 | $470 | 1.67% |
| REDTAIL LTD3 | 9999 BREWSTER LN, STE 100 POWELL, OH 43065 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $576 | — | $576 | 10.48% |
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 | 536 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | MEDICAL MUTUAL OF OHIO | 253 | $3.2M |
| Dental(4 contracts, 2 carriers) | GUARDIAN | 322 | $545K |
| Vision(4 contracts, 3 carriers) | GUARDIAN | 275 | $227K |
| Life insurance(4 contracts, 2 carriers) | GUARDIAN | 322 | $545K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 322 | $348K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 322 | $348K |
| Prescription drug(4 contracts, 4 carriers) | MEDICAL MUTUAL OF OHIO | 218 | $3.1M |
| Other(4 contracts, 2 carriers) | GUARDIAN | 322 | $545K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.