| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 519 MADISON AVE TOLEDO, OH 43604 | HCC LIFE INSURANCE COMPANY | $129K | — | $129K | 17.00% |
| MERITAIN HEALTH3 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | HCC LIFE INSURANCE COMPANY | $6K | — | $6K | 0.83% |
| MARK METTILLE3 Filed as: MARK V SNIDER | 44 ELMWOOD PLACE ATHENS, OH 45701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $7K | $12K | 5.67% |
| SOUTHEAST PLANNING ASSOC. INC.3 Filed as: SOUTHEAST PLANNING ASSOCIATES | 5 DEPOT STREET P.O BOX 1047 ATHENS, OH 45701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 6.92% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S, BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.61% |
| SOUTHEAST PLANNING ASSOC. INC.3 Filed as: SOUTHEAST PLANNING ASSOCIATES | 5 DEPOT STREET P.O BOX 1047 ATHENS, OH 45701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S, BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 3.26% |
| SOUTHEAST PLANNING ASSOC. INC.3 Filed as: SOUTHEAST PLANNING ASSOCIATES | 5 DEPOT STREET P.O BOX 1047 ATHENS, OH 45701 | VISION SERVICE PLAN | $2K | — | $2K | 3.95% |
| SOUTHEAST PLANNING ASSOC. INC.3 Filed as: SOUTHEAST PLANNING ASSOCIATES | 5 DEPOT STREET P.O BOX 1047 ATHENS, OH 45701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.47% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S, BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $938 | $938 | 2.21% |
| SOUTHEAST PLANNING ASSOC. INC.3 Filed as: SOUTHEAST PLANNING ASSOCIATES | 5 DEPOT STREET P.O BOX 1047 ATHENS, OH 45701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S, BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $424 | $424 | 2.85% |
| SOUTHEAST PLANNING ASSOC. INC.3 Filed as: SOUTHEAST PLANNING ASSOCIATES | 5 DEPOT STREET P.O BOX 1047 ATHENS, OH 45701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S, BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $234 | $234 | 2.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | 4361 IRWIN SIMPSON ROAD MASON, OH 450409479 | $42K |
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 | 286 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 264 | $216K |
| Vision | VISION SERVICE PLAN | 282 | $43K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 336 | $100K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 265 | $136K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 284 | $761K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 336 | $57K |
| 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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.