| 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 | $50K | — | $50K | 9.18% |
| BAC AGENCY, INC.5 | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | UNIMERICA INSURANCE COMPANY | $27K | — | $27K | 5.00% |
| BAC AGENCY, INC.5 | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| SOUTHEAST PLANNING ASSOC. INC.3 Filed as: SOUTHEAST PLANNING ASSOCIATES INC. | 5 DEPOT STREET ATHENS, OH 45701 | VISION SERVICE PLAN | $2K | — | $2K | 11.18% |
| TOMLINSON INSURANCE AGENCY, INC.3 Filed as: TOMLINSON INSURANCE AGENCY INC. | PO BOX 598 CHILLICOTHE, OH 45601 | VISION SERVICE PLAN | $253 | — | $253 | 1.44% |
| RANDA LONG INSURANCE AGENCY LLC3 Filed as: RANDA LONG INSURANCE LLC | 220 YAPLES ORCHARD DRIVE CHILLICOTHE, OH 45601 | VISION SERVICE PLAN | $169 | — | $169 | 0.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESS ADMIN. & CONS., INC. THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | $136K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NETWORK PROVIDER | Insurance services Service code 23 | — | $59K |
| SNIDER, FULLER & ASSOCIATES INSURANCE AGENT | Insurance agents and brokers Service code 22 | 5 DEPOT STREET ATHENS, OH 45701 | $10K |
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 | 332 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 332 | $549K |
| Vision | VISION SERVICE PLAN | 332 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $142K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $142K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $142K |
| Prescription drug | UNIMERICA INSURANCE COMPANY | 332 | $549K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 332 | $549K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.