| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK METTILLE3 Filed as: MARK V SNIDER | 44 ELMWOOD PLACE ATHENS, OH 45701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $1K | $29K | 12.89% |
| TOMLINSON INSURANCE AGENCY, INC.3 Filed as: TOMLINSON INSURANCE AGENCY | PO BOX 598 CHILLICOTHE, OH 45601 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| TOMLINSON INSURANCE AGENCY, INC.3 Filed as: TOMLINSON INSURANCE AGENCY INC | PO BOX 598 CHILLICOTHE, OH 456010598 | VISION SERVICE PLAN | $2K | — | $2K | 8.37% |
| RANDA LONG INSURANCE AGENCY LLC3 | 220 YAPLES ORCHARD DR. CHILLICOTHE, OH 456011290 | VISION SERVICE PLAN | $1K | — | $1K | 5.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1206 WAUSAU, WI 54402 | $206K |
| TOMLINSON INSURANCE AGENCY EIN 31-0827064 BROKER | Other commissions Service code 55 | PO BOX 598 CHILLICOTHE, OK 45601 | $47K |
| RANDA LONG INSURANCE LLC EIN 46-2052602 BROKER | Other commissions Service code 55 | 220 YAPLES ORCHARD DR CHILLICOTHE, OH 45601 | $41K |
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 | 494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE | 428 | $701K |
| Vision | VISION SERVICE PLAN | 426 | $23K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 611 | $221K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 611 | $221K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 611 | $221K |
| Prescription drug | BERKLEY LIFE | 428 | $701K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE | 428 | $701K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 611 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 611 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.