| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD3 | 9999 BREWSTER LANE, SUITE 100 POWELL, OH 43065 | MEDICAL MUTUAL OF OHIO | $47K | $27K | $73K | 3.49% |
| CHRIS HEASLIP & ASSOCIATES, INC.3 | 23160 FASHION DRIVE SUITE 217 ESTERO, FL 339282567 | BLUE CROSS BLUE SHIELD OF FLORIDA | $28K | — | $28K | 5.00% |
| REDTAIL LTD3 | 9999 BREWSTER LANE, SUITE 100 POWELL, OH 43065 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $12K | $41K | 10.83% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | — | $26K | 17.09% |
| GERMAIN INSURANCE3 Filed as: GERMAIN INSURANCE LLC | 4130 MORSE CROSSING COLUMBUS, OH 43219 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 7.26% |
| CHRIS HEASLIP & ASSOCIATES, INC.3 | 23160 FASHION DRIVE SUITE 217 ESTERO, FL 339282567 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.11% |
| VISION SERVICE PLAN0 | P.O. BOX 742109 LOS ANGELES, CA 900742109 | VISION SERVICE PLAN | $0 | $8K | $8K | 27.08% |
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 | 503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 243 | $2.7M |
| Dental(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 353 | $520K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $171K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 570 | $671K |
| Short-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 353 | $520K |
| Long-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 353 | $520K |
| Prescription drug(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 243 | $2.7M |
| Other(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 570 | $671K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.