| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 321 ELM ST. 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL OF OHIO | $17K | $0 | $17K | 1.30% |
| SAVAGE & ASSOCIATES INC3 | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | MEDICAL MUTUAL OF OHIO | $12K | — | $12K | 0.92% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DR E CHARLESTON, WV 25311 | DELTA DENTAL OF OHIO | $307 | — | $307 | 0.63% |
| SAVAGE & ASSOCIATES INC3 | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | DELTA DENTAL OF OHIO | $291 | — | $291 | 0.60% |
| SAVAGE & ASSOCIATES INC3 | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.88% |
| SAVAGE & ASSOCIATES INC3 | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $888 | — | $888 | 5.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $848 | — | $848 | 4.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $749 | — | $749 | 5.27% |
| SAVAGE & ASSOCIATES INC3 | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $672 | — | $672 | 4.73% |
| SAVAGE & ASSOCIATES INC3 | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $272 | — | $272 | 5.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $259 | — | $259 | 4.88% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 101 | $1.3M |
| Dental | DELTA DENTAL OF OHIO | 168 | $49K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $20K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $17K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 101 | $1.3M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.