| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DR DUBLIN, OH 43017 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.44% |
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DR DUBLIN, OH 43017 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $33K | $37K | 4.97% |
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DR DUBLIN, OH 43017 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 1.67% |
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DR DUBLIN, OH 43017 | UNITEDHEALTHCARE INSURANCE COMPANY | $798 | — | $798 | 0.48% |
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DR DUBLIN, OH 43017 | BENEFITS ASSISTANCE CORPORATION | $7K | — | $7K | 15.36% |
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DR DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.19% |
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DR DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.25% |
| 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 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.46% |
| 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 | DELTA DENTAL OF OHIO | $359 | — | $359 | 4.75% |
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DR DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $245 | — | $245 | 11.99% |
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DR DUBLIN, OH 43017 | VISION BENEFITS OF AMERICA | $170 | — | $170 | 10.01% |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $782K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 188 | $178K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 132 | $169K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 301 | $825K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $85K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $24K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.