| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | UNITEDHEALTHCARE INSURANCE COMPANY | $83K | $0 | $83K | 1.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 2245 NORTHBANK DR COLUMBUS, OH 43220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 4.80% |
| EXECUTIVE BENEFITS/WILSON BROKERAGE3 | 120 EAST 4TH STREET SUITE 600 CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $135 | — | $135 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | PO BOX 93234 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $2K | $32K | 15.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | C/O INNOTECH 233 S WACKER STE 2000 CHICAGO, OH 60603 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $75K | $10K | $86K | 51.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | PO BOX 9234 CHICAGO, OH 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $2K | $23K | 15.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | C/O INNOTECH 233 S WACKER DR STE 2000 CHICAGO, IL 60603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $5K | $25K | 36.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | PO BOX 93234 CHICAGO, IL 60673 | UNUM LIFE INSURANCE OF AMERICA | $3K | $403 | $3K | 9.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY EIN 36-2735971 NONE | Plan Administrator; Other services; Claims processing Service code 12 | 9200 WORTHINGTON ROAD WESTERVILLE, OH 43082 | $471K |
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 | 1,143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 58 | $6.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $296K |
| Vision | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $70K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 434 | $367K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $142K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,084 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.