| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAMS INSURANCE & CONSULTING LLC3 Filed as: WILLIAMS INSURANCE AND CONSULTING | 505 EAST DUNEDIN ROAD COLUMBUS, OH 43214 | MEDICAL MUTUAL OF OHIO | $19K | — | $19K | 4.17% |
| WILLIAMS INSURANCE & CONSULTING LLC3 Filed as: WILLIAMS INSURANCE AND CONSULTING | 505 EAST DUNEDIN ROAD COLUMBUS, OH 43214 | SUPERIOR DENTAL CARE, INC | $4K | $5K | $10K | 23.81% |
| TIMOTHY J WILLIAMS3 | 505 EAST DUNEDIN ROAD COLUMBUS, OH 43214 | DEARBORN LIFE INSURANCE COMPANY | $6K | — | $6K | 15.01% |
| TIMOTHY J WILLIAMS3 | 505 EAST DUNEDIN ROAD COLUMBUS, OH 43214 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 11.08% |
No Schedule C service providers reported on this filing.
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 105 | $467K |
| Dental | SUPERIOR DENTAL CARE, INC | 174 | $41K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $10K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 111 | $39K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 111 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.