| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF OHIO | 93245 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $4K | — | $4K | 5.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 CLAIMS PROCESSING | Claims processing Service code 12 | 9200 WORTHINGTON ROAD WESTERVILLE, OH 43082 | $376K |
| AON HEWITT CONSULTING | Consulting (general) Service code 16 | 445 HUTCHINSON AVE., SUIT COLUMBUS, OH 43235 | $45K |
| DELTA DENTAL EIN 31-0685339 CLAIMS PROCESSING | Claims processing Service code 12 | 550 POLARIS PKWY STE 550 WESTERVILLE, OH 43082 | $45K |
| PNC BANK EIN 25-1435979 TRUSTEE (BANK) | Trustee (bank, trust company, or similar financial institution) Service code 21 | ONE PNC PLAZA,239 5TH AVE PITTSBURGH, PA 15222 | $20K |
| WINKEL GREEN & VAN HORN LLP EIN 31-4442423 ACCOUNTING (AUDITOR) | Accounting (including auditing) Service code 10 | 3752 NORTH HIGH STREET COLUMBUS, OH 43214 | $4K |
| WILLIS OF OHIO, INC. EIN 06-1495506 CONSULTING | Distribution (12b-1) fees Service code 63 | 2245 NORTH BANK ROAD COLUMBUS, OH 43220 | $0 |
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 | 467 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 271 | $62K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 496 | $551K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.