| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO LLC | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | COMMUNITY INSURANCE COMPANY | $69K | — | $69K | 3.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO LLC | 360 3 MEADOWS DR PERRYSBURG, OH 435513138 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | — | $24K | 8.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | AGENCY OF VIRGINIA 11220 ASSETT LOOP STE 304 MANASSAS, VA 201097912 | PRINCIPAL LIFE INSURANCE COMPANY | — | $12K | $12K | 4.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SRVCS, INC | 3603 MEADOWS DR PERRYSBURG, OH 435513138 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.67% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | PRINCIPAL LIFE INSURANCE COMPANY | — | $474 | $474 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES, INC | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 19.32% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | DBA STRATEGIC ENROLLMENT SVCS 27064 OAKMEAD PERRYSBURG, OH 43551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $484 | — | $484 | 1.42% |
| FISHCO INC3 | DBA ANDRES ONEIL AND LOWE AGCY 227 N LYNN ST BRYAN, OH 43506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $481 | — | $481 | 1.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.96% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 131 | $2.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $288K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $288K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $288K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $322K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.