| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFITS AGENCY LLC | 2500 CORPORATE EXCHANGE DR SUITE 132 COLUMBUS, OH 43231 | TRANSAMERICA LIFE INSURANCE COMPANY | $344K | — | $344K | 24.85% |
| LANCE SHNIDER3 | 2500 CORPORATE EXCHANGE DR SUITE 132 COLUMBUS, OH 43231 | NATIONWIDE LIFE INSURANCE | $65K | — | $65K | 12.18% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL RD SUITE 401 AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE | $4K | — | $4K | 0.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN | 93003 NETWORK PL CHICAGO, IL 606730001 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $6K | $34K | 9.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 131 S DEARBORN ST SUITE 600 CHICAGO, IL 60603 | VISION SERVICE PLAN | $24K | — | $24K | 10.00% |
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 | 3,101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 116 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 3,020 | $1.9M |
| Dental | NATIONWIDE LIFE INSURANCE | 480 | $530K |
| Vision(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE | 1,768 | $775K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,248 | $339K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,248 | $339K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,248 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,020 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.