| 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 | UNITED HEALTHCARE | $8K | — | $8K | 3.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES OF MN INC | 580 N 4TH ST #400 COLUMBUS, OH 43215 | UNITED HEALTHCARE | $2K | — | $2K | 0.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 580 N 4TH ST STE 400 COLUMBUS, OH 43215 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $57 | $3K | 4.90% |
| BSP GROUP BENEFITS INC3 | 206 S JEFFERSON ST STE 200 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $632 | $2K | 3.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 1018 W 9TH AVE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.92% |
| HUNTINGTON INSURANCE INC3 | 121 N MARKET ST STE 600 WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22K | — | $22K | 44.64% |
| MICHAEL T EISEL3 | 1318 LOGAN LANE WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 0.21% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES OF OH, LLC | 580 N 4TH ST STE 400 COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $841 | $3K | 13.56% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203417 DALLAS, TX 75320 | VISION SERVICE PLAN | $1K | — | $1K | 5.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES OF OH, LLC | 580 N 4TH ST STE 400 COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $839 | $266 | $1K | 13.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES OF OH, LLC | 580 N 4TH ST STE 400 COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $362 | $117 | $479 | 19.84% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 30 | $232K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 362 | $57K |
| Vision | VISION SERVICE PLAN | 217 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 250 | $8K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 25 | $2K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 250 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.