| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 580 N 4TH ST STE 400 COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $51K | — | $51K | 5.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 2975 REGENT BLVD IRVING, TX 75063 | DELTA DENTAL PLAN OF OHIO | $41K | — | $41K | 8.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 580 NORTH 4TH STREET SUITE 400 COLUMBUS, OH 43215 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 7.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 601478 CHARLOTTE, NC 28260 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 580 NORTH 4TH STREET SUITE 400 COLUMBUS, OH 43215 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 7.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 601478 CHARLOTTE, NC 28260 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 580 NORTH 4TH STREET SUITE 400 COLUMBUS, OH 43215 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 601478 CHARLOTTE, NC 28260 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $462 | — | $462 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $476K |
| USI INSURANCE SERVICES NATIONAL INC | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 580 N 4TH ST STE 400 COLUMBUS, OH 43215 | $0 |
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 | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 1,470 | $1.0M |
| Dental | DELTA DENTAL PLAN OF OHIO | 1,417 | $513K |
| Vision | COMMUNITY INSURANCE COMPANY - VISION | 1,195 | $74K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,110 | $402K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 635 | $233K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,110 | $310K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 1,470 | $1.0M |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 1,470 | $1.0M |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,110 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,470 | — |
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."
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.