| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ANALYSIS CORPORATION3 | 1930 PRIME COURT SUITE 103 TROY, OH 45373 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BRIAN J DUGAN3 | 1930 PRIME COURT SUITE 103 TROY, OH 45373 | METROPOLITAN LIFE INSURANCE COMPANY | $533 | — | $533 | 5.39% |
| BENEFITS ANALYSIS CORPORATION3 | 1930 PRIME COURT SUITE 103 TROY, OH 45373 | METROPOLITAN LIFE INSURANCE COMPANY | $36 | — | $36 | 0.36% |
| BENEFITS ANALYSIS CORPORATION3 | 1930 PRIME COURT SUITE 103 TROY, OH 45373 | SUPERIOR DENTAL CARE INC | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | -$263K |
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 | 577 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE INC | 1,148 | $0 |
| Vision | VISION SERVICE PLAN | 630 | $76K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 868 | $535K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 868 | $535K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 868 | $535K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,200 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 10 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,200 | — |
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.