| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 775 YARD ST STE 200 COLUMBUS, OH 43212 | UNITEDHEALTHCARE INSURANCE COMPANY | $95K | — | $95K | 2.55% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 0.75% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 7.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 7.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 7.17% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 221 S CHURCH ST BOWLING GREEN, OH 43402 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.80% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON BLVD STE 400 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.20% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $279 | $279 | 0.42% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON BLVD STE 400 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.43% |
| ASSUREX3 Filed as: ASSUREX AGENCY | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $290 | $290 | 0.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.63% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON BLVD STE 400 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.37% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $184 | $184 | 0.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 775 YARD ST STE 200 COLUMBUS, OH 43212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 93245 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $1K | — | $1K | 4.25% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 S CHURCH ST BOWLING GREEN, OH 43402 | VISION SERVICE PLAN | $178 | — | $178 | 0.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 61673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $748 | $2K | $3K | 14.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $327 | — | $327 | 1.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 61673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 15.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $494 | — | $494 | 2.84% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 413 | $3.7M |
| Dental(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 860 | $214K |
| Vision | VISION SERVICE PLAN | 216 | $26K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $232K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $185K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $128K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 860 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.