| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | MEDICAL MUTUAL | $18K | $12K | $30K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER INC | 3931 S. DIXIE DR DAYTON, OH 45439 | MEDICAL MUTUAL | $9K | $22 | $9K | 0.79% |
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | MEDICAL MUTUAL | — | $3 | $3 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $315 | $315 | 0.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 2245 NORTH BANK DRIVE COLUMBUS, OH 43220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 655 EDEN PARK DRIVE SUITE100 CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $750 | — | $750 | 2.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 7750 YARD ST STE 200 COLUMBUS, OH 43212 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 852541804 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $173 | $173 | 0.76% |
No Schedule C service providers reported on this filing.
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 128 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $26K |
| Vision | MEDICAL MUTUAL | 128 | $1.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $42K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $26K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $23K |
| Prescription drug | MEDICAL MUTUAL | 128 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
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.