| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERV | 580 N MARKET STE 400 COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $56K | — | $56K | 7.67% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERV | 2975 REGENT BLVD IRVING, TX 75063 | DELTA DENTAL PLAN OF OHIO | $38K | — | $38K | 7.38% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERV | 580 N MARKET STE 400 COLUMBUS, OH 43215 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 7.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERV | 580 N MARKET STE 400 COLUMBUS, OH 43215 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.57% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERV | 580 N MARKET STE 400 COLUMBUS, OH 43215 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 7.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERV | 580 N MARKET STE 400 COLUMBUS, OH 43215 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.57% |
| WELLS FARGO INSURANCE SERVICES3 | 580 N MARKET STE 400 COLUMBUS, OH 43215 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.71% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERV | 580 N MARKET STE 400 COLUMBUS, OH 43215 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $531K |
| WELLS FARGO INS SERVICES USA INC | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 580 N 4TH STE 400 COLUMBUS, OH 43215 | $56K |
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 | 866 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 876 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 1,499 | $728K |
| Dental | DELTA DENTAL PLAN OF OHIO | 1,418 | $511K |
| Vision | COMMUNITY INSURANCE COMPANY - VISION | 1,136 | $70K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,110 | $356K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 578 | $171K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,110 | $264K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 1,499 | $728K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 1,499 | $728K |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,110 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,499 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.