| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED EMPLOYEE BENEFITS LLC3 | 925 NORTH STATE STREET SUITE 200 WESTERVILLE, OH 43082 | UNITEDHEALTHCARE INSURANCE COMPANY | $162K | — | $162K | 46.32% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 WEST OLD WILSON BRIDGE ROAD SUITE 190 WORTHINGTON, OH 43085 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.77% |
| ASSOCIATED EMPLOYEE BENEFITS LLC3 | 925 NORTH STATE STREET SUITE 200 WESTERVILLE, OH 43082 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 9.45% |
| ASSOCIATED EMPLOYEE BENEFITS LLC3 | 925 NORTH STATE STREET SUITE 200 WESTERVILLE, OH 43082 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| ASSOCIATED EMPLOYEE BENEFITS LLC3 | 925 NORTH STATE STREET SUITE 200 WESTERVILLE, OH 43082 | VISION SERVICE PLAN | $759 | — | $759 | 7.41% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $23 | — | $23 | 0.22% |
| ASSOCIATED EMPLOYEE BENEFITS LLC3 Filed as: ASSOCIATED EMPLOYEE BENEFITS | 925 NORTH STATE STREET SUITE 200 WESTERVILLE, OH 43082 | HEALTHIESTYOU C/O TELEDOC HEALTH INC | $335 | — | $335 | 15.01% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 42 | $350K |
| Dental | STANDARD INSURANCE COMPANY | 58 | $29K |
| Vision | VISION SERVICE PLAN | 45 | $10K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $86K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $86K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $86K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.