| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 511 5TH STREET DEFIANCE, OH 43512 | STANDARD LIFE AND ACCIDENT INSURANCE CO. | $115K | — | $115K | 17.29% |
| THE EMPLOYEE BENEFIT SERVICE CENTER4 | 4430 KANAWHA TURNPIKE SOUTH CHARLESTON, WV 25309 | STANDARD LIFE AND ACCIDENT INSURANCE CO. | — | $71K | $71K | 10.74% |
| MEDICAL MUTUAL4 | NETWORK ACCESS FEES L-3956 COLUMBUS, OH 432603956 | STANDARD LIFE AND ACCIDENT INSURANCE CO. | — | $68K | $68K | 10.30% |
| QUALITY CARE PARTNERS4 | 33 SOUTH 5TH STREET ZANESVILLE, OH 43701 | STANDARD LIFE AND ACCIDENT INSURANCE CO. | — | $26K | $26K | 3.96% |
| VISION SERVICE PLAN4 Filed as: VSP INSURANCE CO | PO BOX 742788 LOS ANGELES, CA 900742788 | STANDARD LIFE AND ACCIDENT INSURANCE CO. | — | $12K | $12K | 1.79% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | 511 FIFTH ST DEFIANCE, OH 43512 | COMMUNITY INSURANCE COMPANY | $8K | $2K | $10K | 6.14% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | ANTHEM LIFE INSURANCE COMPANY | $15K | — | $15K | 10.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM BANK, INC. EIN 47-0858534 CLAIMS PROCESSING | Claims processing Service code 12 | 12921 S VISTA STTION BLVD DRAPER, UT 84020 | $10K |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Float revenue; Other services; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | -$2K |
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 | 443 | 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) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMMUNITY INSURANCE COMPANY | 441 | $162K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 443 | $135K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 443 | $135K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 443 | $135K |
| Stop-loss / reinsurancereinsurance | STANDARD LIFE AND ACCIDENT INSURANCE CO. | 778 | $664K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 778 | — |
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.