| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET COLUMBUS, OH 43212 | DELTA DENTAL OF OHIO | $4K | — | $4K | 6.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET SUITE 200 COLUMBUS, OH 432123891 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $836 | $7K | 17.32% |
| STRUCTURED EMPLOYEE BENEFITS3 | 815 GRANDVIEW AVENUE SUITE 200 COLUMBUS, OH 43215 | AFLAC | $15 | — | $15 | 7.58% |
| CHARLES F SMITH JR3 Filed as: CHARLES F. SMITH, JR. | 6832 S HARDIN ROAD HARROD, OH 45850 | AFLAC | $3 | — | $3 | 1.52% |
| ROBERT P HARE3 Filed as: ROBERT P. HARE | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | AFLAC | $3 | — | $3 | 1.52% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $1 | — | $1 | 0.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Plan Administrator Service code 14 | 213 S QUARRY STREET BAINBRIDGE BAINBRIDGE, OH 45612 | $91K |
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 | 260 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 190 | $67K |
| Vision(3 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 174 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $40K |
| Short-term disability | AFLAC | 1 | $198 |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $40K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.