| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN J DUGAN3 | 1930 PRIME COURT SUITE 103 TROY, OH 45373 | METROPOLITAN LIFE INSURANCE COMPANY | $562 | — | $562 | 5.60% |
| BENEFITS ANALYSIS CORPORATION3 | 1930 PRIME COURT SUITE 103 TROY, OH 45373 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $89K |
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 | 616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,240 | $203K |
| Vision | VISION SERVICE PLAN | 670 | $67K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 829 | $571K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 829 | $571K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 829 | $571K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,235 | $1.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 11 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,240 | — |
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."
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.