| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 4500 TOWN CENTER BLVD SUITE 200 JEFFERSONVILLE, IN 47130 | MEDICAL MUTUAL | $38K | — | $38K | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | MEDICAL MUTUAL | $13K | $4K | $17K | 0.86% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | MEDICAL MUTUAL | — | $134 | $134 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 N WHITTINGTON PKWY STE 300 LOUISVILLE, KY 40222 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 6.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 605 CHESTNUT ST STE 500 CHATTANOOGA, TN 37450 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.65% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 120 N FULTON AVE STE A EVANSVILLE, IN 47710 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.84% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $859 | $859 | 0.48% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 140 | $2.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 230 | $180K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 230 | $180K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 230 | $180K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 230 | $180K |
| Prescription drug | MEDICAL MUTUAL | 140 | $2.0M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 230 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.