| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: HRH -WILLIS OF OHIO INC | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | UNITED HEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 1.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD STREET COLUMBUS, OH 43212 | AETNA LIFE INSURANCE COMPANY | $26K | — | $26K | 5.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 775 YARD STREET COLUMBUS, OH 43212 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $277 | $11K | 15.38% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST. 8TH FL BUFFALO, NY 14204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 4.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 93245 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $2K | — | $2K | 3.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 775 YARD STREET COLUMBUS, OH 43212 | AETNA INTERNATIONAL | $684 | — | $684 | 15.01% |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 621 | $3.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 783 | $496K |
| Vision | VISION SERVICE PLAN | 208 | $52K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 783 | $496K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 783 | $496K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 783 | $574K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 783 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.