| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH INC. | 300 CORPORATE PKWY AMHERST, NY 14226 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 0.90% |
| INSURANCE OFFICE OF CENTRAL OHIO3 Filed as: INSURANCE OFFICE OF CENTRAL OH | 165 W MAIN ST PO BOX 780 NEW ALBANY, OH 43054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 8.80% |
| JOHN R PINE3 Filed as: JOHN PINE | 4169 SUDBROOK SQUARE WEST NEW ALBANY, OH 43054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $275K |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 496 | $266K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 496 | $266K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 496 | $266K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 496 | $266K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 496 | $266K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 328 | $452K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 496 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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."
No prospect flags tripped on this filing.