| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WISEMAN AGENCY INC.3 Filed as: WISEMAN AGENCY INC. | 451 2ND AVE GALLIPOLIS, OH 45631 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 0.79% |
| THE WISEMAN AGENCY INC.3 Filed as: THE WISEMAN AGENCY | 451 2ND AVE GALLIPOLIS, OH 45631 | SUPERIOR DENTAL CARE, INC. | $52K | — | $52K | 7.65% |
| THE WISEMAN AGENCY INC.3 | PO BOX 359 GALLIPOLIS, OH 45631 | VISION SERVICE PLAN | $19K | — | $19K | 3.79% |
| VARIOUS - SEE ATTACHED3 | 100 JACKSON PIKE GALLIPOLIS, OH 45631 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $40K | $33K | $72K | 37.80% |
| THE WISEMAN AGENCY INC.3 | PO BOX 359 GALLIPOLIS, OH 45631 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 5.78% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICE | 2101 FLORENCE AVE CINCINNATI, OH 45206 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $1K | $1K | 2.92% |
| THE WISEMAN AGENCY INC.3 Filed as: THE WISEMAN AGENCY, INC | PO BOX 359 GALLIPOLIS, OH 45631 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 20.00% |
| THE WISEMAN AGENCY INC.3 | PO BOX 359 GALLIPOLIS, OH 45631 | HARTFORD LIFE AND ACCIDENT | $9 | — | $9 | 0.03% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR NORTHUMBERLAN, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $318 | $9K | 54.60% |
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 | 2,262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | SUPERIOR DENTAL CARE, INC. | 3,028 | $696K |
| Vision | VISION SERVICE PLAN | 1,399 | $494K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,816 | $2.1M |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,816 | $2.1M |
| Long-term disability(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,816 | $2.3M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,816 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,028 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.