| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST. SUITE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 10.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 2245 N. BANK DR COLUMBUS, OH 43220 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.47% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | P.O. BOX 318003 CLEVELAND, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST. SUITE 200 COLUMBUS, OH 43212 | MEDICAL MUTUAL | $31K | — | $31K | 1519.18% |
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 | 366 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 112 | $2K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $42K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $42K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 126 | $33K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 126 | $33K |
| Prescription drug | MEDICAL MUTUAL | 112 | $2K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 126 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.