| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 7.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 720 PETE ROSE WAY, SUITE 400 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 4.37% |
| MJ INSURANCE3 Filed as: MARK E. CASE AND VARIOUS AGENTS | 6821 WELLINGTON PLACE CASTLE PINES, CO 80108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.74% |
| KRISTY J FISHBACK3 Filed as: KRISTY J. FISHBACK | PO BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.43% |
| CHRISTOPHER E BIALKA3 Filed as: CHRISTOPHER E. BIALKA | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 10 SOUTH LA SALLE STREET SUITE 3000 CHICAGO, IL 60603 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.26% |
| BRYON L GROVE3 Filed as: BRYON L. GROVE | 11260 CHESTER ROAD, SUITE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.18% |
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 | 680 | 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) | 680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,468 | $241K |
| Vision | EYEMED VISION CARE | 1,292 | $55K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 680 | $289K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 680 | $289K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 680 | $289K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 680 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,468 | — |
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.