| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE ONE BENEFITS3 | 220 PERRY STREET SUITE 200 FOSTORIA, OH 44830 | GUARDIAN | $37K | $9K | $46K | 7.83% |
| CORPORATE ONE BENEFITS | 220 PERRY ST STE 200 FOSTORIA, OH 44830 | GUARDIAN | $5K | — | $5K | 5.11% |
| CORPORATE ONE BENEFITS Filed as: CORPORATE ONE BENEFITS AGENCY | PO BOX 906 FOSTORIA, OH 448300906 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 17.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT | Other fees; Insurance agents and brokers; Claims processing Service code 12 | 4300 CENTREWAY PLACE ARLINGTON, TX 76018 | $240K |
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 | 554 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | GUARDIAN | 554 | $687K |
| Vision | GUARDIAN | 554 | $590K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 554 | $723K |
| Short-term disability(2 contracts) | GUARDIAN | 554 | $687K |
| Long-term disability(2 contracts) | GUARDIAN | 554 | $687K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 554 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.