| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTHEAST PLANNING ASSOC. INC.3 Filed as: SOUTHEAST PLANNING ASSOCIATES INC | PO BOX 1047 ATHENS, OH 45701 | UNITED HEALTHCARE INSURANCE COMPANY | — | $56K | $56K | 2.63% |
| MARK METTILLE3 Filed as: MARK V. SNIDER | 5 DEPOT ST ATHENS, OH 45701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $942 | $10K | 8.85% |
| MARK METTILLE3 Filed as: MARK V. SNIDER | 44 ELMWOOD PL ATHENS, OH 45701 | GUARDIAN | $12K | $4K | $17K | 20.28% |
| SOUTHEAST PLANNING ASSOC. INC.3 Filed as: SOUTHEAST PLANNING ASSOCIATES INC | 5 DEPOT ST ATHENS, OH 45701 | VISION SERVICE PLAN | $1K | — | $1K | 4.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOTAL ADMINISTRATIVE SERVICES CORP EIN 39-1561025 NONE | Contract Administrator Service code 13 | 2302 INTERNATIONAL LANE MADISON, WI 53704 | $14K |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 189 | $2.1M |
| Dental | GUARDIAN | 266 | $81K |
| Vision | VISION SERVICE PLAN | 250 | $34K |
| Life insurance | GUARDIAN | 266 | $81K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $117K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.