| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELAWARE VALLEY HEALTH CARE3 Filed as: DELAWARE VALLEY HEALTH CARE COALITI | — | DELTA DENTAL OF OHIO | — | $6K | $6K | 0.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHWESTERN OHIO ADMINISTRATORS EIN 34-1337680 NONE | Accounting (including auditing); Contract Administrator Service code 10 | — | $1.4M |
| ANTHEM EIN 06-1475928 NONE | Other services Service code 49 | — | $956K |
| JOHNSON INVESTMENT COUNSEL EIN 31-1801770 NONE | Investment management Service code 28 | — | $96K |
| BUCK GLOBAL, LLC EIN 13-3954297 NONE | Consulting (general) Service code 16 | — | $78K |
| SHUMAKER LOOP AND KENDRICK EIN 34-4439491 NONE | Legal Service code 29 | — | $64K |
| THE TRUST COMPANY OF TOLEDO EIN 34-1661757 NONE | Investment management Service code 28 | — | $52K |
| HARBOR BEHAVIORAL HEALTHCARE EIN 34-4434924 NONE | Insurance services Service code 23 | — | $48K |
| EXPRESS SCRIPTS, INC EIN 22-3461740 NONE | Other services Service code 49 | — | $24K |
| CLARK, SCHAEFER, HACKETT & CO. EIN 31-0800053 NONE | Accounting (including auditing) Service code 10 | — | $23K |
| ANDCO CONSULTING LLC EIN 59-3676225 NONE | Investment advisory (plan) Service code 27 | — | $15K |
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 | 1,843 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 433 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 5,370 | $1.6M |
| Vision | VISION SERVICE PLAN | 2,229 | $192K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,991 | $35K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,991 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,370 | — |
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 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.