| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 WEST BROAD ST. 7TH FLOOR COLUMBUS, OH 43215 | MEDICAL MUTUAL | $17K | $133 | $17K | 2.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD ST. SUITE 200 COLUMBUS, OH 43212 | MEDICAL MUTUAL | $12K | $4K | $16K | 1.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 2245 N. BANK DR COLUMBUS, OH 43220 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.26% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC. | 121 N. MARKET ST. WOOSTER, OH 44691 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$118 | — | -$118 | -0.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | PO BOX 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $557 | $4K | 8.67% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST. STE 800 BUFFALO, NY 14204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $334 | $3K | 5.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST. STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $92 | $1K | 4.46% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST. 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $307 | $307 | 1.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $390 | — | $390 | 4.23% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 S CHURCH ST BOWLING GREEN, OH 43402 | VISION SERVICE PLAN | $321 | — | $321 | 3.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | PO BOX 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $760 | $63 | $823 | 16.24% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST. STE 800 BUFFALO, NY 14204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $253 | $38 | $291 | 5.74% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST STE 800 BUFFALO, NY 14204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $134 | $20 | $154 | 7.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | PO BOX 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $119 | $15 | $134 | 6.14% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $119 | $9 | $128 | 5.86% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $24 | $24 | 1.10% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 207 | $822K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $46K |
| Vision | VISION SERVICE PLAN | 181 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $47K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $45K |
| Prescription drug | MEDICAL MUTUAL | 207 | $822K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.