| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONE SOURCE ADVISORS INC3 Filed as: ONE SOURSE ADVISORS INC | 555 METRO PLACE NORTH STE 480 DUBLIN, OH 43017 | MEDICAL MUTUAL | $11K | — | $11K | 4.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.08% |
| ONE SOURCE ADVISORS INC3 Filed as: ONE SOURCE ADIVSORS | 555 METRO PL N STE 480 DUBLIN, OH 43017 | METROPOLITAN LIFE INSURANCE COMPANY | $528 | — | $528 | 0.93% |
| ONE SOURCE ADVISORS INC3 | 555 METRO PLACE NORTH SUITE 330 DUBLIN, OH 43017 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 11.20% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 3.72% |
| ONE SOURCE ADVISORS INC3 | 555 METRO PLACE N DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 1.58% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET CINNCINATI, OH 45202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 1.19% |
| HOWARD MESZAROS3 | 8680 COLVIN DR PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.51% |
| JASON ROSS RUBINSTEIN3 | 2076 BENTWOOD CIR APT 2B COLUMBUS, OH 43235 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $1 | $22 | 0.45% |
| LUKE MURRAY3 | 8793 OAK VILLAGE BLVD LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $307 | $71 | $378 | 8.98% |
| ONE SOURCE ADVISORS INC3 Filed as: ONE SOURCE ADVISORS | 555 METRO PL N STE 480 DUBLIN, OH 43017 | VISION SERVICE PLAN | $175 | — | $175 | 7.51% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $9 | — | $9 | 0.39% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 71 | $243K |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 62 | $7K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $83K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $83K |
| Prescription drug | MEDICAL MUTUAL | 71 | $243K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 134 | $503K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.