| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T R HEDGE AND ASSOCIATES3 Filed as: T R HEDGE & ASSOCIATES INC | 63 CORBINS MILL DRIVE DUBLIN, OH 43017 | COMMUNITY INSURANCE COMPANY (G1728) | $50K | $3K | $53K | 3.83% |
| TR HEDGE & ASSOCIATES Filed as: TR HEDGE AND ASSOCIATES | 63 CORBINS MILL DRIVE DUBLIN, OH 43017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 4.94% |
| TR HEDGE & ASSOCIATES Filed as: TR HEDGE AND ASSOCIATES | 63 CORBINS MILL DRIVE DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $895 | $4K | 7.48% |
| TR HEDGE & ASSOCIATES Filed as: TR HEDGE AND ASSOCIATES | 63 CORBINS MILL DRIVE DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $736 | $5K | 11.55% |
| TR HEDGE & ASSOCIATES Filed as: TR HEDGE AND ASSOCIATES | 63 CORBINS MILL DRIVE DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $466 | $4K | 12.86% |
| TR HEDGE & ASSOCIATES Filed as: TR HEDGE AND ASSOCIATES | 63 CORBINS MILL DRIVE DUBLIN, OH 43017 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.98% |
| TR HEDGE & ASSOCIATES Filed as: TR HEDGE AND ASSOCIATES | 63 CORBINS MILL DRIVE DUBLIN, OH 43017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $244 | $4 | $248 | 10.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TR HEDGE AND ASSOCIATES EIN 31-1256367 BROKER | Insurance agents and brokers Service code 22 | 63 CORBINS MILL DRIVE DUBLIN, OH 43017 | $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 | 571 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 571 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 277 | $187K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 465 | $26K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 149 | $50K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $60K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.