| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 5455 RINGS ROAD, SUITE 250 DUBLIN, OH 43017 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $1K | $18K | 3.47% |
| EDWARD D SOMMER3 Filed as: EDWARD D. SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITEDHEALTHCARE INSURANCE COMPANY | $66 | $0 | $66 | 0.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 WEST OLD WILSON BRIDGE ROAD SUITE 190 WORTHINGTON, OH 43085 | UNITEDHEALTHCARE INSURANCE COMPANY | $15 | $0 | $15 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 5455 RINGS ROAD, SUITE 250 DUBLIN, OH 43017 | TRUASSURE INSURANCE COMPANY | $8K | $0 | $8K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE | $7K | $0 | $7K | 11.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLES DAVE BROWN | 1335 CENTRAL AVENUE ASHLAND, KY 41101 | COMPANION LIFE INSURANCE | $4K | $0 | $4K | 6.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $236 | $4K | 12.51% |
| USI INSURANCE SERVICES LLC3 | 5455 RINGS ROAD, SUITE 250 DUBLIN, OH 43017 | VISION BENEFITS OF AMERICA | $1K | $0 | $1K | 10.00% |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 70 | $565K |
| Dental | TRUASSURE INSURANCE COMPANY | 142 | $77K |
| Vision | VISION BENEFITS OF AMERICA | 155 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 288 | $32K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 288 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 288 | $32K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 70 | $506K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE | 288 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.