| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IAB BENEFITS, LLC3 Filed as: IAB BENEFITS LLC | 1967 FRALEY DRIVE COLUMBUS, OH 43235 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | $912 | $10K | 11.04% |
| IAB BENEFITS, LLC3 | 1967 FRALEY DR. COLUMBUS, OH 43235 | SUPERIOR DENTAL CARE, INC. | $5K | — | $5K | 5.70% |
| IAB BENEFITS, LLC3 Filed as: IAB BENEFITS. LLC | 1967 FRALEY DRIVE COLUMBUS, OH 43235 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $648 | — | $648 | 5.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Other fees; Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $162K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $77K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 BROKER | Other commissions Service code 55 | 409 E MONUMENT AVE STE 400 DAYTON, OH 45385 | $15K |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE, INC. | 263 | $83K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 241 | $11K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 155 | $94K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 155 | $94K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 155 | $94K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 124 | $522K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 162 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
No prospect flags tripped on this filing.