| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONE SOURCE ADVISORS INC3 | 555 METRO PLACE NORTH SUITE 480 DUBLIN, OH 43017 | MEDICAL MUTUAL | $24K | — | $24K | 4.54% |
| ONE SOURCE ADVISORS INC3 | 555 METRO PLACE N STE 480 DUBLIN, OH 43017 | COMMUNITY INSURANCE COMPANY | $11K | — | $11K | 3.37% |
| ONE SOURCE ADVISORS INC3 | 555 METRO PLACE NORTH DUBLIN, OH 43017 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 9.50% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY | 44 W HARDING AVE CEDAR CITY, UT 84720 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 4.88% |
| ONE SOURCE ADVISORS INC3 Filed as: ONE SOURCE ADVISORS | 555 METRO PL N STE 480 DUBLIN, OH 43017 | VISION SERVICE PLAN | $760 | — | $760 | 9.16% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $44 | — | $44 | 0.53% |
| ONE SOURCE ADVISORS INC3 | 555 METRO PLACE N DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $612 | — | $612 | 9.59% |
| JASON ROSS RUBINSTEIN3 | 2076 BENTWOOD CIR APT 2B COLUMBUS, OH 43235 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $233 | $11 | $244 | 3.82% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 2.40% |
| HOWARD MESZAROS3 | 8680 COLVIN DR PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 1.46% |
| LUKE MURRAY3 | 8793 OAK VILLAGE BLVD LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $8 | $69 | 1.08% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET CINCINNATI, OH 45202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.63% |
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 | 79 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 117 | $847K |
| Vision | VISION SERVICE PLAN | 79 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 120 | $84K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 120 | $84K |
| Prescription drug | MEDICAL MUTUAL | 75 | $529K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 120 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.