| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 1001 LAKESIDE AVE E STE 1600 CLEVELAND, OH 441141193 | UNITED HEALTH CARE INSURANCE COMPANY | $56K | — | $56K | 12.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 1001 LAKESIDE AVE E, STE 1600 CLEVELAND, OH 44114 | UNITED HEALTH CARE INSURANCE COMPANY | $12K | — | $12K | 2.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST, STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $827 | $4K | 2.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 775 YARD ST, STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $61 | $3K | 1.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $199K |
| WILLIS OF OHIO INC EIN 34-1174529 BROKER | Other commissions Service code 55 | 1001 LAKESIDE AVE E STE 1600 CLEVELAND, OH 441141193 | $0 |
| WILLIS TOWERS WATSON MIDEST INC EIN 34-1174529 BROKER | Other commissions Service code 55 | 1001 LAKESIDE AVE E STE 1600 CLEVELAND, OH 44114 | $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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE INSURANCE COMPANY | 347 | $459K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $152K |
| Vision | UNITED HEALTH CARE INSURANCE COMPANY | 347 | $459K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $152K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $152K |
| Prescription drug | UNITED HEALTH CARE INSURANCE COMPANY | 347 | $459K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTH CARE INSURANCE COMPANY | 347 | $459K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.