| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 2245 NORTHBANK DR COLUMBUS, OH 43220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $13K | $35K | 7.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | PO BOX 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $0 | $39K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | PO 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD STE 200 COLUMBUS, OH 432123891 | UNITED HEALTHCARE COMPANY | $10K | — | $10K | 9.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: HRH - WILLIS OF OHIO | 775 YARD STE 200 COLUMBUS, OH 432123891 | UNITED HEALTHCARE COMPANY | $163 | $0 | $163 | 0.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | PO BOX 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | PO BOX 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 5.98% |
| ENROLLMENT RESOURCES GROUP3 | WILLIS OF ILLINOIS 233 S WACKER DR STE2000 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 7.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PL CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $80 | — | $80 | 0.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 9200 WORTHINGTON RD WESTERVILLE, OH 43082 | $844K |
| WILLIS OF OHIO INC | Other commissions Service code 55 | — | $80K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $21K |
| HRH - WILLIS OF OHIO | Other commissions Service code 55 | — | $0 |
| HRH WILLIS OF OHIO EIN 34-1174529 BROKER | Other commissions Service code 55 | 775 YARD STE 200 COLUMBUS, OH 432123891 | $0 |
| WILLIS OF OHIO EIN 34-1174529 BROKER | Other commissions Service code 55 | 775 YARD 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 | 1,915 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,915 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE COMPANY | 1,915 | $98K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 945 | $463K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,611 | $320K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 541 | $117K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,611 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,915 | — |
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.