| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | COMMUNITY INSURANCE COMPANY | $74K | $142 | $74K | 1.92% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 285 COZZINS STREET COLUMBUS, OH 43215 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 3.20% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS. | 250 WEST OLD WILSON BRIDGE ROAD SUITE 190 WORTHINGTON, OH 43085 | UNITED HEALTHCARE INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| FRANCHISE INSURANCE AGENCY INC3 Filed as: FRANCHISE INSURANCE AGENCY, INC. | 4942 REED ROAD COLUMBUS, OH 43220 | UNITED HEALTHCARE INSURANCE COMPANY | -$202 | — | -$202 | -0.05% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $15 | $3K | 5.28% |
| FRANCHISE INSURANCE AGENCY INC3 Filed as: FRANCHISE INSURANCE AGENCY, INC. | 4942 REED ROAD COLUMBUS, OH 43220 | EYEMED VISION CARE | $152 | — | $152 | 0.51% |
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 | 377 | 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) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 654 | $3.8M |
| Dental | COMMUNITY INSURANCE COMPANY | 654 | $3.8M |
| Vision | EYEMED VISION CARE | 544 | $30K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 532 | $491K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 532 | $442K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 532 | $442K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 654 | $3.8M |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 532 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.