| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS SERVICES | PO BOX 868 DELAWARE, OH 43015 | AETNA LIFE INSURANCE CO | $71K | $57K | $127K | 4.42% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP | 210 6TH AVE PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE CO | $28K | — | $28K | 0.97% |
| PREFERRED BENEFITS SERVICES AGENCY3 | 611 S SANDUSKY ST DELAWARE, OH 43015 | DELTA DENTAL OF OHIO | $11K | — | $11K | 4.88% |
| PREFERRED BENEFITS SERVICES AGENCY3 | PO BOX 868 DELAWARE, OH 43015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $4K | $23K | 29.74% |
| BENEFIT EDUCATORS LLC3 | 1053 GARRISON LN SOUDERTON, PA 18964 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 27.50% |
| PREFERRED BENEFITS SERVICES AGENCY3 | 611 S SANDUSKY ST DELAWARE, OH 43015 | RELIASTAR LIFE INSURANCE COMPANY | $13K | — | $13K | 24.31% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 6TH AVE FL 30 PITTSBURGH, PA 15222 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 3.19% |
| PREFERRED BENEFITS SERVICES AGENCY3 | PO BOX 868 DELAWARE, OH 43015 | AMERITAS LIFE INSURANCE CORPORATION | $1K | — | $1K | 2.83% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | DBA HUB INTERNATIONAL THREE RIVERS PO BOX 868 DELAWARE, OH 43015 | AMERITAS LIFE INSURANCE CORPORATION | $925 | — | $925 | 2.17% |
| BENEFIT EDUCATORS LLC3 | 1053 GARRISON LN SOUDERTON, PA 18964 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | 35.00% |
| PREFERRED BENEFITS SERVICES AGENCY3 | 611 S SANDUSKY ST DELAWARE, OH 43015 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 28.03% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 6TH AVE FL 30 PITTSBURGH, PA 15222 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 6.97% |
| PREFERRED BENEFITS SERVICES AGENCY3 | PO BOX 868 DELAWARE, OH 43015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 11.61% |
| PREFERRED BENEFITS SERVICES AGENCY3 | PO BOX 868 DELAWARE, OH 43015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.75% |
| PREFERRED BENEFITS SERVICES AGENCY3 | PO BOX 868 DELAWARE, OH 43015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $900 | $499 | $1K | 15.54% |
| PREFERRED BENEFITS SERVICES AGENCY3 | 611 S SANDUSKY ST DELAWARE, OH 43015 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 326.58% |
| BENEFIT EDUCATORS LLC3 | 1053 GARRISON LN SOUDERTON, PA 18964 | RELIASTAR LIFE INSURANCE COMPANY | $13K | — | $13K | 300.02% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 6TH AVE FL 30 PITTSBURGH, PA 15222 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 30.33% |
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 | 463 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 753 | $2.9M |
| Dental | DELTA DENTAL OF OHIO | 613 | $231K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 544 | $43K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $85K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 61 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $19K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 753 | — |
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."
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.