| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PARTNERS AGENCY INC3 Filed as: INSURANCE PARTNERS AGENCY, INC. | 26865 CENTER RIDGE ROAD WESTLAKE, OH 44145 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 10.82% |
| TOMLINSON INSURANCE AGENCY, INC.3 | P.O. BOX 598 CHILLICOTHE, OH 456010598 | VISION SERVICE PLAN | $2K | — | $2K | 2.75% |
| RANDA LONG INSURANCE AGENCY LLC3 Filed as: RANDA LONG INSURANCE, LLC | 220 YAPLES ORCHARD DRIVE CHILLICOTHE, OH 456011290 | VISION SERVICE PLAN | $2K | — | $2K | 1.83% |
| TOMLINSON INSURANCE AGENCY, INC.3 | P.O. BOX 598 CHILLICOTHE, OH 45601 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| RANDA LONG INSURANCE AGENCY LLC3 Filed as: RANDA LONG INSURANCE, LLC | 220 YAPLES ORCHARD DRIVE CHILLICOTHE, OH 45601 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
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 | 673 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 674 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $58K |
| Vision | VISION SERVICE PLAN | 457 | $86K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 672 | $323K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 672 | $323K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 672 | $323K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 672 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.