| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHELAN INSURANCE AGENCY, INC.3 | PO BOX 1 VERSAILLES, OH 45380 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $29K | $34K | 3.56% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SVCS AGCY | 2101 FLORENCE AVE CINCINNATI, OH 45206 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 0.90% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | FIDELITY SECURITY LIFE INS. CO. | $217 | — | $217 | 1.64% |
| PHELAN INSURANCE AGENCY, INC.3 | 863 E. MAIN STREET, BOX 1 VERSAILLES, OH 45380 | FIDELITY SECURITY LIFE INS. CO. | $217 | — | $217 | 1.64% |
| PHELAN INSURANCE AGENCY, INC.3 | PO BOX 1 VERSAILLES, OH 45380 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $953 | — | $953 | 11.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | PO BOX 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $126 | $1 | $127 | 1.56% |
| PHELAN INSURANCE AGENCY, INC.3 | PO BOX 1 VERSAILLES, OH 45380 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $495 | — | $495 | 11.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | PO BOX 93245 CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 1.17% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 277 | $959K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 277 | $959K |
| Vision | FIDELITY SECURITY LIFE INS. CO. | 271 | $13K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 277 | $968K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 277 | $959K |
| Other(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 277 | $972K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
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.