| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD3 | 9999 BREWSTER LANE, SUITE 100 POWELL, OH 43065 | MEDICAL MUTUAL OF OHIO | $95K | $62K | $157K | 3.69% |
| CHRIS HEASLIP & ASSOCIATES, INC.3 | 23160 FASHION DRIVE SUITE 217 ESTERO, FL 339282567 | BLUE CROSS BLUE SHIELD OF FLORIDA | $57K | — | $57K | 6.00% |
| REDTAIL LTD3 | 9999 BREWSTER LANE, SUITE 100 POWELL, OH 43065 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $62K | $21K | $82K | 10.67% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP, LLC | 1900 POLARIS PARKWAY, SUITE 450 COLUMBUS, OH 43240 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 1.19% |
| 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 | $57K | — | $57K | 22.95% |
| GERMAIN INSURANCE3 | 1500 AUTO MALL DRIVE COLUMBUS, OH 43228 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31K | — | $31K | 12.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP-MARSH & MCLENNAN | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| COURTESY AUTOMOTIVE GROUP INS.3 | 4970 N. 13TH STREET PHOENIX, AZ 85014 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHRIS HEASLIP & ASSOCIATES, INC.3 | 23160 FASHION DRIVE SUITE 217 ESTERO, FL 339282567 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 6.73% |
| REDTAIL LTD3 | 9999 BREWSTER LANE, SUITE 100 POWELL, OH 430657573 | VISION SERVICE PLAN | $7K | — | $7K | 11.52% |
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 | 752 | 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) | 754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 418 | $5.2M |
| Dental(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 646 | $917K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 565 | $202K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 646 | $1.2M |
| Short-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 646 | $917K |
| Long-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 646 | $917K |
| Prescription drug(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 418 | $5.2M |
| Other(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 646 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.