| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C & A BENEFITS GROUP LLC3 | 475 METRO PLACE SUITE 210 DUBLIN, OH 43017 | CONSOCIATE HEALTH | — | — | $0 | 0.00% |
| C & A BENEFITS GROUP LLC3 | 5700 PERIMETER DT SUITE D DUBLIN, OH 430173247 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | $7K | $29K | 13.13% |
| C & A BENEFITS GROUP LLC3 | 475 METRO PLACE S SUITE 210 DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 24.66% |
| ANDREW J LOEWEN3 Filed as: ANDREW JAMES MITCHELL LOEWEN | 321 W HOBART AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 10.84% |
| MORGAN LOEWEN3 | 2940 ST ANDREWS DR FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 6.26% |
| SHAUN M KLUG3 Filed as: SHAUN MICHAEL KLUG | 957 HILLANDALE RD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.45% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 1901 N FAIRVIEW AVE LANSING, MI 48912 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.45% |
| MICKLEY CONSULTING LLC3 | 3390 BURNT POND ROAD OSTRANDER, OH 43061 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.67% |
| MARK ISING3 | 1103 SCHROCK RD SUITE 303 COLUMBUS, OH 43229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $680 | — | $680 | 0.82% |
| KIDNAY LUGO SANTIAGO3 | 9441 CHARDON CIRCLE APT 111 WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.11% |
| KIMBERLY NIETO3 Filed as: KIMBERLY K NIETO | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONSOCIATE HEALTH | 157 | $439K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 279 | $217K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 279 | $217K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 279 | $217K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 279 | $300K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 279 | $217K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 279 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.