| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID A. NURRE3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | PRIORITY HEALTH | $42K | $0 | $42K | 3.05% |
| DAVID A. NURRE3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | PRIORITY HEALTH INSURANCE COMPANY | $19K | $0 | $19K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 4.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $13K | $34K | 27.44% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD, SUITE 1579 ORLANDO, FL 32822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 10.03% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 9.21% |
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 | 426 | 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) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 209 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 349 | $142K |
| Vision | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 338 | $25K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 426 | $126K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 426 | $126K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 426 | $126K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 209 | $2.0M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 426 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.