| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HB CONSULTING ASSOC LLC3 | 6563 WILSON MILLS ROAD SUITE 108 MAYFIELD VILLAGE, OH 44143 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | — | $26K | 6.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4100 NEWPORT PLACE DRIVE SUITE 650 NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $9K | $26K | 6.40% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4100 NEWPORT PLACE DRIVE SUITE 650 NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $4K | $24K | 12.85% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| SMITH, THOMAS, CHRISTOPHER3 | P.O. BOX 6550 METAIRIE, TN 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $2K | $22K | 12.09% |
| TABIT ARGANBRIGHT & HAZELBAKER INC.3 Filed as: TABIT ARGANBRIGHT & HAZELBAKER INC | 5007 PINE CREEK DRIVE WESTERVILLE, OR 43081 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 2.70% |
| THOMAS J SCURFIELD3 | 30 ALPHA PARK HIGHLAND HEIGHTS, OH 44143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $296 | — | $296 | 0.16% |
| SMITH, THOMAS, CHRISTOPHER3 | P.O. BOX 6650 MATAIRIE, TN 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $727 | $17K | 11.14% |
| TABIT ARGANBRIGHT & HAZELBAKER INC.3 Filed as: TABIT ARGANBRIGHT & HAZELBAER INC | 5007 PINE CREEK DRIVE WESTERVILLE, OH 43081 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.50% |
| THOMAS J SCURFIELD3 | 30 ALPHA PARK HIGHLAND HEIGHTS, OH 44143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $200 | — | $200 | 0.13% |
| HB CONSULTING ASSOC LLC3 | 6563 WILSON MILLS ROAD SUITE 108 MAYFIELD VILLAGE, OH 44143 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 6.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4100 NEWPORT PLACE DRIVE SUITE 650 NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $3K | $10K | 6.38% |
| BENEFIT ADVISORS SERVICES3 Filed as: BENEFIT ADVISORS SERVICES LLC | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $638 | — | $638 | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4100 NEWPORT PLACE DRIVE SUITE 650 NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $592 | $2K | 6.53% |
| HB CONSULTING ASSOC LLC3 | 6563 WILSON MILLS ROAD SUITE 108 MAYFIELD VILLAGE, OH 44143 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.35% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $109 | — | $109 | 0.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 580 NORTH 4TH STREET, SUITE 400 COLUMBUS, OH 432152153 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $1K | — | $1K | 15.01% |
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 | 1,953 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,995 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,684 | $286K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,921 | $400K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 386 | $183K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,154 | $343K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,953 | $589K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,154 | — |
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."
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.