| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $21K | $21K | 2.16% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $17 | $9K | 10.04% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.97% |
| ASSUREDPARTNERS3 | 285 COZZINS STREET COLUMBUS, OH 43215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.02% |
| ASSUREDPARTNERS3 | 285 COZZINS STREET COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 22.54% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $705 | $0 | $705 | 11.69% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $352 | $0 | $352 | 5.84% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 86 | $961K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 101 | $94K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 79 | $6K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 101 | $94K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 101 | $94K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 101 | $94K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 86 | $961K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 101 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.