| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | COMMUNITY INSURANCE COMPANY | $26K | $4K | $31K | 4.08% |
| IAB BENEFITS, LLC3 Filed as: IAB BENEFITS, LLC. | 1967 FRALEY DR. COLUMBUS, OH 43235 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | — | $10K | 9.06% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 10.03% |
| ILENE BURKART3 | 1967 FRALEY DRIVE COLUMBUS, OH 43235 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.90% |
| LAURA HUDOCK3 | 2415 ASHDALE DR TWINSBURG, OH 44087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $823 | — | $823 | 2.20% |
| THOMAS W BOSTON3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $381 | — | $381 | 1.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY (G1728) EIN 31-1440175 ADMINISTRATIVE | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $85K |
| COMMUNITY INSURANCE COMPANY | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Float revenue Service code 12 | — | $39K |
| MARSH & MCLENNAN AGENCY LLC FEES PAID | Other commissions; Non-monetary compensation; Insurance agents and brokers Service code 22 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | $4K |
| INGENIORX, INC. EIN 82-3062245 ADMINISTRATIVE | Claims processing; Contract Administrator; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | -$10K |
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 | 206 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMMUNITY INSURANCE COMPANY | 158 | $756K |
| Vision | COMMUNITY INSURANCE COMPANY | 158 | $756K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 206 | $115K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 206 | $115K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 206 | $115K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 158 | $756K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 206 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.