| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEOPLES INSURANCE AGENCY, LLC3 Filed as: PEOPLES INS AGY LLC | PO BOX 210 MARIETTA, OH 45750 | UNITEDHEALTHCARE INSURANCE COMPANY | $157 | $39K | $39K | 1.86% |
| PEOPLES INSURANCE AGENCY, LLC3 Filed as: PEOPLES INSURANCE AGENCY,LLC | PO BOX 210 MARIETTA, OH 45750 | VISION SERVICE PLAN | $1K | — | $1K | 4.80% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 W WILSON BRIDGE RD WORTHINGTON, OH 43085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $687 | — | $687 | 4.87% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 8490 MALLARD CT PLAIN CITY, OH 43085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.91% |
| D STEVEN SMELCER3 | 7676 MEHAFFEY ROAD LIMA, OH 45801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| DAVID L SMELCER3 | P O BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 | 268 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $2.1M |
| Vision | VISION SERVICE PLAN | 129 | $28K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 23 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.