| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 2245 N. BANK DR COLUMBUS, OH 43220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $10K | $29K | 7.19% |
| EXECUTIVE BENEFITS/WILSON BROKERAGE3 | 120 EAST 4TH STREET SUITE 600 CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | PO BOX 93245 CHIC, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $3K | $36K | 16.25% |
| ENROLLMENT RESOURCES GROUP3 | 233 S. WACKER DR STE 1875 CHICAGO, IL 60603 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29K | -$137 | $29K | 15.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | PO BOX 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $2K | $27K | 16.25% |
| ENROLLMENT RESOURCES GROUP3 | 233 S. WACKER DR STE 1875 CHICAGO, IL 60603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $14K | 16.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 775 YARD ST STE 200 COLUMBUS, OH 432123891 | UNITEDHEALTHCARE INSURANCE COMPANY | $98K | $0 | $98K | 120.43% |
| ENROLLMENT RESOURCES GROUP3 | 233 S. WACKER DR STE 1875 CHICAGO, IL 60603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $14K | 17.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | PO BOX 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $435 | $3K | 8.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 9200 WORTHINGTON ROAD WESTERVILLE, OH 43082 | $579K |
| WILLIS OF OHIO EIN 34-1174529 BROKER | Other commissions Service code 55 | 775 YARD ST STE 200 COLUMBUS, OH 432123891 | $66K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMINISTRATOR | Claims processing; Plan Administrator Service code 12 | 1 FOUNTAIN SQUARE CHATANOOGA, TN 37402 | $25K |
| HRH-WILLIS OF OHIO | Other commissions Service code 55 | — | $21K |
| HRH - WILLIS OF OHIO EIN 34-1174529 BROKER | Other commissions Service code 55 | 775 YARD ST STE 200 COLUMBUS, OH 432123891 | $0 |
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 | 994 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 994 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 718 | $81K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 880 | $406K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,664 | $439K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 651 | $168K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 651 | $168K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,664 | $519K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,664 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.