| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 12748 ROAKOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $33K | $53K | 7.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 2.10% |
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNTING INSURANCE INC. | 121 NORTH MARKET STREET, SUITE 6 WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 11.05% |
| MJ INSURANCE6 Filed as: ARRON ARNAIZ AND VARIOUS AGENTS | UNKNOWN CLYDE, OH 43410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 4.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.38% |
| KYESHNA H JANSEN3 Filed as: KYESHNA JANSEN | 6038 BRAINARD DRIVE SYLVANIA, OH 43560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 2.70% |
| RUBLE & ASSOCIATES LLC3 Filed as: RUBLE AND ASSOCIATES LLC | 3769 PROSPECT ROAD NEW LONDON, OH 44851 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.50% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY J. MOTTER | 2268 MCKINLEY DRIVE PERRYBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.13% |
| LISA LAING3 Filed as: LISA M. LAING | 34123 TRILLIUM COURT LIVONIA, MI 48150 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.01% |
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 | 712 | 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) | 712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 602 | $688K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 602 | $688K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 712 | $688K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 712 | $688K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 712 | $688K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 948 | $826K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 948 | — |
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.