| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $374K | — | $374K | 5.60% |
| SAUL R LOCKER3 Filed as: SAUL LOCKER | 1099 18TH ST.,STE 2040 DENVER, CO 802021945 | METROPOLITAN LIFE INSURANCE COMPANY | $362K | — | $362K | 5.42% |
| MACE, PETER, J3 Filed as: MACE, PETER J | 5775 GLENRIDGE DR STE E500 ATLANTA, GA 30328 | RELIASTAR LIFE INSURANCE COMPANY | $176K | — | $176K | 10.02% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $141K | $141K | 8.01% |
| MACE, PETER, J3 | 5775 E GLENRIDGE DR STE E500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $242K | $24K | $267K | 16.82% |
| BARBARA S. SHEAHAN-CLAIR3 Filed as: BARBARA CLAIR INSURANCE LLC | 3277 ROUND LAKE HWY MANITOU BEACH, MI 49253 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35K | $1K | $36K | 2.27% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 0.72% |
| PARAMOUNT BENEFITS AGENCY INC3 Filed as: PARAMOUNT BENEFITS AGENCY | 1901 INDIAN WOOD CIR MAUMEE, OH 43537 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 0.64% |
| RYAN, JAMES, S3 | 1429 KING AVE COLUMBUS, OH 43212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.13% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE PO BOX 1687 TOLEDO, OH 43603 | NATIONAL UNION FIRE INS CO OF PITTSBURGH, PA | $27K | — | $27K | 15.00% |
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 | 12,778 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 276 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,054 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PARAMOUNT INSURANCE COMPANY | 17,162 | $4.3M |
| Dental | DELTA DENTAL OF OHIO | 10,255 | $3.3M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 7,299 | $726K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,869 | $8.3M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,869 | $8.3M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,869 | $8.3M |
| Prescription drug | PARAMOUNT INSURANCE COMPANY | 17,162 | $4.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,869 | $8.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,162 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.