| 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 | $7K | $11K | $18K | 4.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 2245 N. BANK DR COLUMBUS, OH 43220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 3.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | PO BOX 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $4K | $44K | 13.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | PO BOX 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $3K | $40K | 16.25% |
| ENROLLMENT RESOURCES GROUP3 | 233 S WACKER STE 1875 CHICAGO, IL 60603 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 5.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 775 YARD ST STE 200 COLUMBUS, OH 432123891 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 10.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: HRH - WILLIS OF OHIO | 775 YARD ST STE 200 COLUMBUS, OH 432123891 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | PO BOX 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $883 | $5K | 7.08% |
| ENROLLMENT RESOURCES GROUP3 | 233 S. WACKER DR STE 1875 CHICAGO, IL 60603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 1 FOUNTAIN SQUARE CHATANOOGA, TN 37402 | $711K |
| WILLIS OF OHIO EIN 34-1174529 BROKER | Other commissions Service code 55 | 775 YARD ST STE 200 COLUMBUS, OH 432123891 | $84K |
| HRH-WILLIS OF OHIO EIN 34-1174529 BROKER | Other commissions Service code 55 | 775 YARD ST STE 200 COLUMBUS, OH 432123891 | $26K |
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 | 1,981 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,981 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 933 | $411K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,981 | $95K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,674 | $538K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 309 | $247K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 309 | $247K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,674 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,981 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.