| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC | 5455 RINGS ROAD, SUITE 250 ATRIUM 2 SOUTH TOWER DUBLIN, OH 43017 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 2.96% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 1.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62889 VIRGINA BEACH, VA 23466 | UNITED OH OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.51% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | UNITED OH OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $437 | $3K | 6.17% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | METROPOLITAN LIFE INSURANCE COMPANY | $988 | $0 | $988 | 2.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED | $452 | $0 | $452 | 6.52% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | EYEMED | $232 | $0 | $232 | 3.35% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 153 | $657K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $48K |
| Vision | EYEMED | 137 | $7K |
| Life insurance | UNITED OH OMAHA LIFE INSURANCE COMPANY | 122 | $98K |
| Short-term disability | UNITED OH OMAHA LIFE INSURANCE COMPANY | 122 | $98K |
| Long-term disability | UNITED OH OMAHA LIFE INSURANCE COMPANY | 122 | $98K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 153 | $657K |
| Other | UNITED OH OMAHA LIFE INSURANCE COMPANY | 122 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.