| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BW EMPLOYEE BENEFITS LLC3 | 7887 WASHINGTON VILLAGE DRIVE SUITE 295 DAYTON, OH 45459 | AETNA LIFE INSURANCE COMPANY | $74K | — | $74K | 4.05% |
| BW EMPLOYEE BENEFITS LLC3 | 7887 WASHINGTON VILLAGE DRIVE SUITE 295 DAYTON, OH 45459 | DELTA DENTAL OF OHIO | $7K | — | $7K | 7.98% |
| BW EMPLOYEE BENEFITS LLC3 | 7887 WASHINGTON VILLAGE DRIVE SUITE 295 DAYTON, OH 45459 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 14.83% |
| BW EMPLOYEE BENEFITS LLC3 | 7887 WASHINGTON VILAGE DRIVE SUITE 295 DAYTON, OH 45459 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 12.51% |
| BW EMPLOYEE BENEFITS LLC3 | 7887 WASHINGTON VILLAGE DRIVE SUITE 295 DAYTON, OH 45459 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BW EMPLOYEE BENEFITS LLC3 | 7887 WASHINGTON VILLAGE DRIVE SUITE 295 DAYTON, OH 45459 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.04% |
| BW EMPLOYEE BENEFITS LLC3 | 7887 WASHINGTON VILLAGE DRIVE SUITE 295 DAYTON, OH 454593956 | VISION SERVICE PLAN | $884 | — | $884 | 6.38% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 335 | $1.9M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF OHIO | 274 | $127K |
| Vision | VISION SERVICE PLAN | 132 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $112K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $91K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $91K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 335 | $1.8M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.