| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DR DUBLIN, OH 43017 | BENEFIT ASSISTANCE CORPORATION | $36K | $0 | $36K | 19.33% |
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DR DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 6.96% |
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DR DUBLIN, OH 43017 | VISION BENEFITS OF AMERICA | $4K | $0 | $4K | 10.00% |
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DR DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DR DUBLIN, OH 43017 | VISION BENEFITS OF AMERICA | $1K | $0 | $1K | 10.00% |
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DR DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 12.00% |
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DR DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $180 | $0 | $180 | 10.86% |
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 | 328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BENEFIT ASSISTANCE CORPORATION | 101 | $184K |
| Dental | VISION BENEFITS OF AMERICA | 124 | $43K |
| Vision | VISION BENEFITS OF AMERICA | 128 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $9K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $12K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 19 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.