| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTHEAST PLANNING ASSOC. INC.3 Filed as: SOUTHEAST PLANNING ASSOCIATION, INC | PO BOX 1047 ATHENS, OH 45701 | UNITED HEALTHCARE | $3K | $23K | $26K | 1.27% |
| MARK METTILLE3 Filed as: MARK V SNIDER | 44 ELM WOOD PL ATHENS, OH 45701 | GUARDIAN | $6K | — | $6K | 10.17% |
| INSURANCE PARTNERS AGENCY INC3 | 26865 CENTER RIDGE RD WESTLAKE, OH 44145 | GUARDIAN | $1K | — | $1K | 2.05% |
| LIFETIME FINANCIAL GROWTH OF C3 | — | GUARDIAN | $19 | — | $19 | 0.03% |
| LIFETIME FINANCIAL GROWTH OF N3 | — | GUARDIAN | $6 | — | $6 | 0.01% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 208 | $2.1M |
| Vision | GUARDIAN | 96 | $58K |
| Life insurance | UNITED HEALTHCARE | 208 | $2.1M |
| Short-term disability | GUARDIAN | 96 | $58K |
| Long-term disability | GUARDIAN | 96 | $58K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE | 208 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.