| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - MIDWE | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $92K | $92K | 4.57% |
| GREG STOCKSDALE3 | PO BOX 32 URBANA, OH 43078 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.69% |
| GREGORY F STOCKSDALE3 | STOCKSDALE INSURANCE COMPANY 114 N MAIN ST URBANA, OH 430781602 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.02% |
| UNITED BEHAVIORAL HEALTH DBA OPTUM3 | P.O. BOX 30755 SALT LAKE CITY, UT 84130 | UNITED BEHAVIORAL HEALTH DBA OPTUM | $0 | $5K | $5K | — |
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 | 619 | 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) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 619 | $2.0M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 273 | $81K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 94 | $29K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 312 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.