| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PARTNERS AGENCY INC3 Filed as: INSURANCE PARTNERS AGENCY, LLC | 26865 CENTER RIDGE ROAD WESTLAKE, OH 44145 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $52K | $52K | 1.12% |
| USI INSURANCE SERVICES LLC3 | 5455 RINGS ROAD, SUITE 250 ATRIUM 2, SOUTH TOWER DUBLIN, OH 43017 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $38K | $38K | 0.83% |
| MARK METTILLE3 Filed as: MARK V. SNIDER | 5 DEPOT STREET ATHENS, OH 45701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $715 | $8K | 4.28% |
| USI INSURANCE SERVICES LLC3 | 5455 RINGS ROAD, SUITE 250 DUBLIN, OH 43017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $5K | $6K | 3.21% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 6.87% |
| MARK METTILLE3 Filed as: MARK V. SNIDER | 44 ELMWOOD PLACE ATHENS, OH 45701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 6.30% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: INSURANCE PARTNERS AGENCY | 2950 WEST MARKET STREET FAIRLAWN, OH 44333 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.39% |
| SOUTHEAST PLANNING ASSOC. INC.3 Filed as: SOUTHEAST PLANNING ASSOCIATES, INC. | 5 DEPOT STREET ATHENS, OH 45701 | VISION SERVICE PLAN | -$2 | $0 | -$2 | -0.00% |
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 | 529 | 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) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 598 | $4.6M |
| Vision | VISION SERVICE PLAN | 432 | $58K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 529 | $145K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 497 | $195K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 497 | $195K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 598 | $4.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 529 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.