| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ASHLEY GROUP3 | — | WESTPORT INSURANCE CORPORATION | $35K | — | $35K | 10.68% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES JOSEPH CROVO | — | NATIONWIDE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.21% |
| ASHLEY INSURANCE GROUP3 | 1645 INDIAN WOOD CIR STE 203 MAUMEE, OH 43537 | SUPERIOR DENTAL CARE | $2K | — | $2K | 7.14% |
| THE ASHLEY GROUP3 | 1645 INDIAN WOOD CIR STE 203 MAUMEE, OH 435374402 | VISION SERVICE PLAN | $650 | — | $650 | 8.72% |
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 | 76 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 76 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE | 129 | $34K |
| Vision | VISION SERVICE PLAN | 56 | $7K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 179 | $36K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 76 | $325K |
| Other | NATIONWIDE LIFE INSURANCE COMPANY | 179 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.