| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 775 YARD ST, SUITE 200 COLUMBUS, OH 43212 | MEDICAL MUTUAL | $36K | $27K | $64K | 3.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 18101 VON KARMAN AVENUE #600 IRVINE, CA 926120158 | HEALTH NET | $21K | — | $21K | 1.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 2245 N. BANK DR. COLUMBUS, OH 43220 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $18K | $11K | $29K | 7.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON - CLEVELAND | 93245 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $4K | — | $4K | 11.10% |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 150 | $3.2M |
| Dental | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 330 | $416K |
| Vision | EYEMED VISION CARE | 462 | $32K |
| Life insurance | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 330 | $416K |
| Short-term disability | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 330 | $416K |
| Long-term disability | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 330 | $416K |
| Prescription drug | MEDICAL MUTUAL | 150 | $2.0M |
| Other | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 330 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.