| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ROMIG AGENCY INC3 Filed as: THE ROMIG AGENCY | 316 E 3RD STREET UHRICHSVILLE, OH 446831823 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.23% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | 1 SEAGATE STE 2050 TOLEDO, OH 436041558 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.53% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 5.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PL CHICAGO, IL 606731932 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 4.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | P.O. BOX 91189 PASADENA, CA 91189 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 3.46% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 5.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PL CHICAGO, IL 606731932 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 4.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | P.O. BOX 101162 PASADENA, CA 91189 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 3.42% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 5.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 93245 NETWORK PLACE CHICAGO, IL 606731932 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | P.O. BOX 101162 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.99% |
| THE ROMIG AGENCY INC3 Filed as: ROMIG INSURANCE AGENCY | 316 E 3RD ST UHRICHSVILLE, OH 446831823 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.88% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES INC | 1 SEAGATE STE 2050 TOLEDO, OH 43604 | VISION SERVICE PLAN | $717 | $0 | $717 | 0.74% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PL CHICAGO, IL 606731932 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | P.O. BOX 101162 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.42% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $505 | $0 | $505 | 5.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PL CHICAGO, IL 606731932 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $353 | $0 | $353 | 4.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | P.O. BOX 101162 PASADENA, CA 91189 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $293 | $0 | $293 | 3.42% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $403 | $0 | $403 | 5.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PL CHICAGO, IL 606731932 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $285 | $0 | $285 | 4.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | P.O. BOX 101162 PASADENA, CA 91189 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $238 | $0 | $238 | 3.46% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $302 | $302 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 ADMINISTRATION | Contract Administrator Service code 13 | P.O. BOX 7639 PHILADELPHIA, PA 19176 | $24K |
| COMPSYCH C/0 PRUDENTIAL INSURANCE EIN 35-3739783 ADMINISTRATION | Contract Administrator Service code 13 | P.O. BOX 7639 PHILADELPHIA, PA 19176 | $0 |
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 | 861 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 867 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,504 | $415K |
| Vision | VISION SERVICE PLAN | 488 | $97K |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 859 | $154K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 712 | $197K |
| Other(5 contracts, 2 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 859 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,504 | — |
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.