| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 0.41% |
| ASSUREDPARTNERS3 | 285 COZZINS STREET COLUMBUS, OH 43215 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.03% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 6.93% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 2.04% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 9.16% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $294 | $0 | $294 | 0.91% |
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 | 605 | 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) | 605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 609 | $5.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 609 | $5.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 540 | $32K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 605 | $71K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 609 | $5.1M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 609 | $5.1M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 609 | $5.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 605 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.