| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLASCAK INSURANCE SERVICES3 | 4125 MAIN STREET, SUITE B2 HILLIARD, OH 43026 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $49K | $49K | 1.58% |
| CONSOLIDATED EMPLOYER SERVICES IC.3 | 3518 RIVERSIDE DRIVE, SUITE 104 UPPER ARLINGTON, OH 43221 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $49K | $49K | 1.58% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 WEST OLD WILSON BRIDGE ROAD SUITE 190 WORTHINGTON, OH 43085 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 0.49% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 5.11% |
| CONSOLIDATED EMPLOYER SERVICES IC.3 Filed as: CONSOLIDATED EMPLOYER SERVICES | 3518 RIVERSIDE DRIVE, SUITE 206 COLUMBUS, OH 43221 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 2.22% |
| JOSEPH STANLEY BLASCAK IV3 | 1229 HUDGINS COURT COLUMBUS, OH 43228 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 2.22% |
| JOE BLASCAK IV3 | 4125 MAIN STREET, B2 HILLARD, OH 43026 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 18.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC C/O INNOTECH | 233 SOUTH WACKER DRIVE, SUITE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD STREET, SUITE 200 COLUMBUS, OH 43212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $760 | — | $760 | 1.60% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.11% |
| YOUR BENEFITS AGENCY INC3 | 415 NORTH MCKINLEY STREET,SUITE 305 LITTLE ROCK, AR 72205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION-EXCHANGE | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $296 | — | $296 | 1.27% |
| CONSOLIDATED EMPLOYER SERVICES IC.3 Filed as: CONSOLIDATED EMPLOYER SER | 3518 RIVERSIDE DRIVE, SUITE 104 COLUMBUS, OH 43221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $213 | — | $213 | 2.11% |
| BLASCAK INSURANCE SERVICE3 | 4125 MAIN STREET, SUITE B2 HILLIARD, OH 43026 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $213 | — | $213 | 2.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD STREET, SUITE 200 COLUMBUS, OH 43212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $83 | — | $83 | 0.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $9K |
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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 497 | $3.1M |
| Dental | AETNA LIFE INSURANCE CO. | 448 | $229K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 351 | $23K |
| Life insurance | AETNA LIFE INSURANCE CO. | 448 | $229K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 326 | $134K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 326 | $134K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 448 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.