| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OHIO AUTO DEALERS ASSN INS0 | 6515 LONGSHORE LOOP SUITE 320 DUBLIN, OH 43017 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 3.59% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $978 | — | $978 | 2.40% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 6.91% |
| OHIO AUTO DEALERS ASSN INS0 | 6515 LONGSHORE LOOP SUITE 320 DUBLIN, OH 43017 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $834 | $834 | 3.52% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $84 | — | $84 | 1.33% |
| OHIO AUTO DEALERS ASSN INS0 | 6515 LONGSHORE LOOP SUITE 320 DUBLIN, OH 43017 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $71 | $71 | 1.13% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $411 | — | $411 | 15.75% |
| OHIO AUTO DEALERS ASSN INS0 | 6515 LONGSHORE LOOP SUITE 320 DUBLIN, OH 43017 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $41 | $41 | 1.57% |
| OHIO AUTO DEALERS ASSN INS0 | 6515 LONGSHORE LOOP SUITE 320 DUBLIN, OH 43017 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $12 | $12 | 3.64% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $5 | — | $5 | 1.52% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$13 | — | -$13 | -10.00% |
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 | 82 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 25 | $7K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 77 | $43K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 47 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 77 | — |
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.
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.