| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SNIDER, MARK V3 Filed as: SNIDER, FULLER & ASSOCIATES | 5 DEPOT STREET ATHENS, OH 45701 | UNIMERICA INSURANCE COMPANY | $39K | — | $39K | 9.20% |
| BAC AGENCY, INC.5 | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | UNIMERICA INSURANCE COMPANY | $21K | — | $21K | 5.00% |
| BAC AGENCY, INC.5 | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESS ADMIN. & CONS., INC. THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | $130K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NETWORK PROVIDER | Insurance services Service code 23 | — | $47K |
| SNIDER, FULLER & ASSOCIATES INSURANCE AGENT | Insurance agents and brokers Service code 22 | 5 DEPOT STREET ATHENS, OH 45701 | $9K |
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 | 395 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 291 | $427K |
| Vision | VISION SERVICE PLAN | 282 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 395 | $147K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 395 | $147K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 395 | $147K |
| Prescription drug | UNIMERICA INSURANCE COMPANY | 291 | $427K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 291 | $427K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 395 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.