| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEEN SPITLER BENEFITS GROUP LLC3 | 8051 WASHINGTON VILLAGE DRIVE SUITE DAYTON, OH 45458 | UNITED HEALTHCARE INSURANCE COMPANY | — | $62K | $62K | 3.21% |
| BENEFITS NETWORK INSURANCE AGENCY3 | 4555 LAKE FOREST DRIVE SUITE 510 CINCINNATI, OH 45242 | UNITED HEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 0.90% |
| ONE80 INTERMEDIARIES INC3 Filed as: ONE80 INTERMEDIARIES INC. | 4555 LAKE FOREST DRIVE SUITE 510 BLUE ASH, OH 45242 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 0.49% |
| LEEN SPITLER BENEFITS GROUP LLC3 | 8051 WASHINGTON VILLAGE DR STE 120 DAYTON, OH 45458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 11.81% |
| LEEN SPITLER BENEFITS GROUP LLC3 | 8051 WASHINGTON VILLAGE DRIVE DAYTON, OH 45458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 343 | 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) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 343 | $1.9M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 451 | $22K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 258 | $22K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 258 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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."
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.