| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVE., SUITE 1800 MINNEAPOLIS, MN 55402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $90K | — | $90K | 12.47% |
| TINA M THOMPSON DENNIS3 Filed as: TINA MARIE THOMPSONDENNIS | 205 EDENS OAKS CT SIX MILE, SC 29682 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31K | — | $31K | 21.71% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 6.49% |
| TINA M THOMPSON DENNIS3 Filed as: TINA MARIE THOMPSONDENNIS | 1218 WONDERLICK ROAD LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.76% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.62% |
| BENJAMIN D WISE3 Filed as: BENJAMIN WISE | 132 E 2ND ST VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.34% |
| TJH CONSULTANTS LLC3 | 2720 BRIARWOOD CT POLAND, OH 44514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.02% |
| TJH CONSULTANTS LLC3 | 25144 ROCKY HARBOUR DR PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $607 | — | $607 | 0.42% |
| DAVID NELSON MULLINS3 | 1437 ROYALTON RD TOLEDO, OH 43612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $516 | — | $516 | 0.36% |
| CHAD A POLLOCK3 Filed as: CHAD ANTHONY POLLOCK | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $262 | — | $262 | 0.18% |
| THOMAS J HOUSER3 Filed as: THOMAS JOSEPH HOUSER | 2720 BRIARWOOD CT POLAND, OH 44514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $250 | — | $250 | 0.17% |
| KRISTEN D PRESTON3 Filed as: KRISTEN DEEANNA PRESTON | 6745 COUNTY ROAD 45 ALGER, OH 45812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.04% |
| OLIVIA R THOMPSON3 Filed as: OLIVIA ROSE THOMPSON | 1218 WONDERLICK ROAD LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.03% |
| GARY E SADLER3 Filed as: GARY EUGENE SADLER | 4244 SCHOOLER RD CRIDERSVILLE, OH 45806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| ANTHONY JOSEPH MOTTER3 | 2268 MCKINLEY DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JAMES LOCKWOOD3 | 134 W.S. BOUNDARY SUITE A PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
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 | 908 | 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) | 908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,241 | $718K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,241 | $718K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,241 | $718K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,241 | $718K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,241 | $718K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,241 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,241 | — |
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."
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.