| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 0.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD STREET COLUMBUS, OH 43212 | AETNA LIFE INSURANCE COMPANY | $50K | — | $50K | 10.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET COLUMBUS, OH 43212 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $607 | $10K | 15.01% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 4.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 93245 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $2K | — | $2K | 3.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET COLUMBUS, OH 43212 | AETNA INTERNATIONAL | $684 | — | $684 | 7.50% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 767 | $4.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 787 | $488K |
| Vision | VISION SERVICE PLAN | 332 | $50K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 787 | $488K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 787 | $488K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 787 | $562K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 787 | — |
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.
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.