| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD3 | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | MEDICAL MUTUAL OF OHIO | $21K | $11K | $32K | 4.07% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | MEDICAL MUTUAL OF OHIO | $2K | — | $2K | 0.25% |
| REDTAIL LTD3 | 9999 BREWSTER LANE #100 POWELL, OH 43065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 10.91% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $130 | — | $130 | 0.34% |
| REDTAIL LTD3 | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 12.49% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $936 | — | $936 | 2.51% |
| REDTAIL LTD3 | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.43% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $503 | — | $503 | 2.57% |
| REDTAIL LTD3 | 9999 BREWSTER LANE #100 POWELL, OH 43065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.55% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $259 | — | $259 | 2.45% |
| REDTAIL LTD3 | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $521 | — | $521 | 8.23% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $112 | — | $112 | 1.77% |
| REDTAIL LTD3 | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $247 | — | $247 | 12.39% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52 | — | $52 | 2.61% |
| REDTAIL LTD3 | 9999 BREWSTER LANE #100 POWELL, OH 43065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $168 | — | $168 | 13.55% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18 | — | $18 | 1.45% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 73 | $785K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 72 | $38K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 66 | $6K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $13K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 52 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 59 | $37K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.