| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | 1 SEAGATE STE 2050 TOLEDO, OH 436041558 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $700 | $9K | 2.15% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $31K | $0 | $31K | 10.00% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 10.00% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 10.00% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES INC | 1 SEAGATE STE 2050 TOLEDO, OH 43604 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.39% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.00% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $891 | $0 | $891 | 10.00% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $695 | $0 | $695 | 10.01% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $26 | $26 | — |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $158 | $158 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 ADMINISTRATION | Contract Administrator Service code 13 | P.O. BOX 7639 PHILADELPHIA, PA 19176 | $25K |
| 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 | 911 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 622 | $426K |
| Vision | VISION SERVICE PLAN | 559 | $107K |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 920 | $176K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 732 | $206K |
| Other(7 contracts, 2 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 920 | $490K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 920 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.