| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 | 11 SCOTT ST. STE. 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $23K | $23K | 0.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | RELIASTAR LIFE INSURANCE COMPANY | $237K | — | $237K | 9.66% |
| USI INSURANCE SERVICES LLC3 | 720 PETE ROSE WAY SUITE 400 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86K | — | $86K | 11.49% |
| LLOYD CURTIS RENO3 | 375 BROOKWOOD DR. TROY, OH 45373 | CONTINENTAL AMERICAN INSURANCE COMPANY | $455 | — | $455 | 0.06% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $444 | — | $444 | 0.06% |
| WILLIAMS ROBERTS3 | 3749 SACHEM AVE. CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 0.03% |
| IAN B BRANYON3 Filed as: IAN B. BRANYON | 8744 UNION CENTRE BLVD. WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 0.03% |
| KYLE RUSSEY3 Filed as: KYLE D. DAFLER | 2431 HAWKINS RD. RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 NONE | Other fees; Claims processing; Float revenue; Direct payment from the plan Service code 12 | — | $9.0M |
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $1.7M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator Service code 12 | — | $144K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 NONE | Other commissions Service code 55 | — | $40K |
| USI INSURANCE SERVICES NATIONAL INC EIN 56-1882208 NONE | Other commissions Service code 55 | — | $30K |
| WELLS FARGO INS. SERVIES USA INC. EIN 56-1882208 NONE | Other commissions Service code 55 | — | $28K |
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 | 4,511 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,484 | $405K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 6,286 | $2.5M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 6,286 | $2.5M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 6,286 | $2.5M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,543 | $3.4M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 4,109 | $744K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,286 | — |
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.