| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY, INC | PO BOX 2038 POWELL, OH 43065 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $44K | $44K | 3.66% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 W OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 43085 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 0.63% |
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY, INC | PO BOX 2038 POWELL, OH 43065 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $8K | $27K | 21.16% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.08% |
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY, INC | PO BOX 2038 POWELL, OH 43065 | DELTA DENTAL OF OHIO | $3K | $236 | $4K | 4.66% |
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 | 223 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.2M |
| Dental | DELTA DENTAL OF OHIO | 282 | $77K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $127K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $127K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $127K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.