| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RCS INSURANCE BROKERAGE, INC.3 Filed as: RCS INSURANCE BROKERAGE INC. | PO BOX 818078 CLEVELAND, OH 441818078 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $35K | $38K | 1.83% |
| ONE80 INTERMEDIARIES INC3 Filed as: ONE80 INTERMEDIARIES INC. | 4555 LAKE FOREST DR., STE. 510 BLUE ASH, OK 452423732 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 0.63% |
| BENEFITS NETWORK INSURANCE AGENCY3 Filed as: BENEFITS NETWORK INS AGCY INC | 4555 LAKE FOREST DR., STE. 510 CINCINNATI, OH 452423732 | UNITED HEALTHCARE INSURANCE COMPANY | -$2 | — | -$2 | -0.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PHILIP DICIERO 160 FEDERAL ST., FL 4 BOSTON, MA 02110 | DELTA DENTAL OF OHIO | $4K | — | $4K | 4.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD. 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $376 | $7K | 16.91% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 366 | $2.1M |
| Dental | DELTA DENTAL OF OHIO | 340 | $79K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $44K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $44K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $44K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.