| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IAB BENEFITS, LLC3 Filed as: IAB BENEFITS, LLC. | 1967 FRALEY DR. COLUMBUS, OH 43235 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | — | $10K | 9.49% |
| IAB BENEFITS, LLC3 Filed as: IAB BENEFITS, LLC. | 1967 FRALEY DR. COLUMBUS, OH 43235 | SUPERIOR DENTAL CARE, INC. | $5K | — | $5K | 5.57% |
| ILENE BURKART | 1967 FRALEY DR. COLUMBUS, OH 43235 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.52% |
| EUGENE HUDOCK | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.52% |
| LAURA HUDOCK | 2415 ASHDALE DR TWINSBURG, OH 44087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $510 | — | $510 | 1.90% |
| THOMAS W BOSTON | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $235 | — | $235 | 0.88% |
| IAB BENEFITS, LLC3 Filed as: IAB BENEFITS, LLC. | 1967 FRALEY DR. COLUMBUS, OH 43235 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $762 | — | $762 | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Other fees; Claims processing; Float revenue Service code 12 | — | $206K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $67K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 BROKER | Other commissions Service code 55 | 409 E MONUMENT AVE STE 400 DAYTON, OH 45385 | $16K |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE, INC. | 306 | $92K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 136 | $13K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 165 | $106K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 165 | $106K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 165 | $106K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 134 | $683K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 165 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.