| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INSRUANCE GROUP, INC. | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $19K | $24K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $5K | $6K | 0.64% |
| ONE80 INTERMEDIARIES INC3 | 4555 LAKE FOREST DR STE 510 BLUE ASH, OH 45242 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.62% |
| LEEN SPITLER BENEFITS GROUP LLC3 | 8051 WASHINGTON VILLAGE DR STE 120 DAYTON, OH 45458 | UNITEDHEALTHCARE INSURANCE COMPANY | -$9 | $5K | $5K | 0.51% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $123 | $7K | 13.34% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $641 | $3K | 6.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | METROPOLITAN LIFE INSURANCE COMPANY | $681 | $0 | $681 | 1.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 17663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $45 | $45 | 0.09% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 410 | $947K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 410 | $947K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 410 | $947K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $49K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $49K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 410 | $947K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.