| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WISEMAN AGENCY INC.3 Filed as: WISEMAN AGENCY INC | PO BOX 359 GALLIPOLIS, OH 45631 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $48K | $48K | 1.95% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC-COLUMBUS | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 0.22% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICES AGC | 2101 FLORENCE AVE CINCINNATI, OH 45206 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $611 | $5K | 0.19% |
| KEYSTONE INSURANCE & BENEFITS GROUP Filed as: KEYSTONE INSURANCE & BENEFITS | 13800 JACKSON RD MISHAWAKA, IN 46544 | THE GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | $9K | $2K | $12K | 12.37% |
| THE WISEMAN AGENCY INC.3 Filed as: THE WISEMAN AGENCY | PO BOX 359 GALLIPOLIS, OH 456310359 | VISION SERVICE PLAN | $2K | — | $2K | 3.78% |
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 | 291 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 336 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | 109 | $94K |
| Vision | VISION SERVICE PLAN | 141 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.
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.