| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL OF OHIO | $30K | $11K | $42K | 5.38% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $7 | $5K | 7.49% |
| HOWARD B MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $528 | — | $528 | 0.82% |
| DIANA RAUCH3 | 3693 ROCHFORT BRIDGE DRIVE COLUMBUS, OH 43221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 0.19% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET CINCINNATI, OH 45202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $5 | $106 | 0.16% |
| MICHAEL WOJTASZEK3 | 453 PATRIOT ROAD GALLIPOLIS, OH 45631 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET SUITE 2400 CINCINNATI, OH 45202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $2K | $10K | 17.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | 200 W CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | COMMUNITY INSURANCE COMPANY | $3K | — | $3K | 9.11% |
| USI INSURANCE SERVICES LLC3 | 2375 E CAMELBACK ROAD SUITE 250 PHOENIX, AZ 85016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $495 | $648 | $1K | 22.69% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 95 | $777K |
| Dental | COMMUNITY INSURANCE COMPANY | 115 | $37K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 94 | $5K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 81 | $120K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 34 | $55K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 34 | $55K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 95 | $777K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 81 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.