| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | — | AETNA LIFE INSURANCE CO. | — | $5K | $5K | 0.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | — | DELTA DENTAL OF OHIO | $2K | — | $2K | 3.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | — | DELTA DENTAL OF OHIO | $926 | — | $926 | 1.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDW | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $248 | $2K | 14.37% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $737 | — | $737 | 4.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDW | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $185 | $2K | 13.62% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $312 | — | $312 | 2.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDW | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $184 | $3K | 23.16% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $442 | — | $442 | 3.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDW | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $228 | $27 | $255 | 14.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $109 | — | $109 | 6.34% |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 221 | $1.7M |
| Dental | DELTA DENTAL OF OHIO | 233 | $57K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 68 | $16K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 67 | $13K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 67 | $12K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 162 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.