| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ANALYSIS CORPORATION3 Filed as: BENEFITS ANALYSIS AGENCY CORP | 1930 PRIME COURT SUITE 103 TROY, OH 45373 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.32% |
| BRIAN J DUGAN3 | 1930 PRIME COURT SUITE 103 TROY, OH 45373 | METROPOLITAN LIFE INSURANCE COMPANY | $923 | $0 | $923 | 8.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $99K |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $29K |
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 | 634 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 646 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 694 | $78K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 759 | $508K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 759 | $508K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 759 | $508K |
| Stop-loss / reinsurancereinsurance(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY HARTFORD CT | 642 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 12 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 759 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.