| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY, INC. | 521 VILLAGE PARK DRIVE POWELL, OH 43065 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY, INC. | 521 VILLAGE PARK DRIVE POWELL, OH 43065 | DELTA DENTAL OF OHIO | $0 | $0 | $0 | 0.00% |
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY, INC. | 521 VILLAGE PARK DRIVE POWELL, OH 43065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY, INC. | 521 VILLAGE PARK DRIVE POWELL, OH 43065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY, INC. | 521 VILLAGE PARK DRIVE POWELL, OH 43065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY, INC. | 521 VILLAGE PARK DRIVE POWELL, OH 43065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
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 | 403 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 724 | $263K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 403 | $117K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 403 | $60K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 371 | $453K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 403 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 724 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.