| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $28K | $31K | 2.71% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICES AGC | 2101 FLORENCE AVE CINCINNATI, OH 45206 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 0.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 131 S DEARBORN 6TH FLOOR ATTN 93245 CHICAGO, IL 60603 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | NATIONAL ACCOUNTING CENTER 26 CENTURY BLVD NASHVILLE, TN 37214 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 11.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | PO BOX 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $758 | $63 | $821 | 15.20% |
| PHELAN INSURANCE AGENCY, INC.3 | PO BOX 1 VERSAILLES, OH 45380 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $118 | — | $118 | 3.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | PO BOX 93245 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56 | — | $56 | 1.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 93245 NETWORK PL CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $4 | $52 | 2.00% |
| PHELAN INSURANCE AGENCY, INC.3 | PO BOX 1 VERSAILLES, OH 45380 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 1.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | PO BOX 93245 CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.69% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $1.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $1.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 0 | $12K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 21 | $14K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $1.1M |
| Other(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 21 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21 | — |
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."
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.