| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP/VANTAGE BENEFIT ADVISORS L | 6200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 9.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | DBA WILLIS OF OHIO INS BROKERS 93245 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP/VANTAGE BENEFIT ADVISORS L | 6200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | UDC OF OHIO, INC | $2K | — | $2K | 10.00% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF OHIO INC | 93245 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE OF AMERICA | $227 | $13 | $240 | 4.85% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF OHIO INC | 93245 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$54 | $16 | -$38 | -13.52% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF OHIO INC | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | MEDICAL MUTUAL OF OHIO | $29K | $714 | $29K | — |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 229 | $0 |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 85 | $74K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 305 | $43K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE OF AMERICA | 18 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.