| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 5455 RINGS ROAD SUITE 250 DUBLIN, OH 43017 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $33K | $33K | 4.06% |
| ORMA R SMITH III3 Filed as: ORMA RHINEHART SMITH III | 3725 CHAMPION HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 0.80% |
| USI INSURANCE SERVICES LLC3 | 5880 VENTURE DRIVE DUBLIN, OH 43017 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.37% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 7.90% |
| ORMA R SMITH III3 | 3725 CHAMPION HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | AETNA LIFE INSURANCE COMPANY | $643 | — | $643 | 0.52% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED SENIOR SOLUTIONS LLC | 5880 VENTURE DRIVE SUITE A DUBLIN, OH 43074 | AETNA LIFE INSURANCE COMPANY | -$30 | — | -$30 | -0.02% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $810K |
| Dental | AETNA LIFE INSURANCE COMPANY | 225 | $125K |
| Vision | AETNA LIFE INSURANCE COMPANY | 225 | $125K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 225 | $125K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 225 | $125K |
| Other | AETNA LIFE INSURANCE COMPANY | 225 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.