| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES, INC. | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | AMERICAN ALTERNATIVE INSURANCE CORPORATION | $19K | — | $19K | 8.00% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES, INC. | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | DELTA DENTAL OF OHIO | $4K | — | $4K | 3.43% |
| OCHS INC3 Filed as: OCHS INC. | 400 ROBERT ST NO SUITE 1880 ST PAUL, MN 55101 | MINNESOTA LIFE INSURANCE COMPANY | — | $9K | $9K | 12.60% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES, INC. | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | MINNESOTA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| OCHS INC3 Filed as: OCHS, INC. | 400 ROBERT ST NO SUITE 1880 ST PAUL, MN 55101 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $2K | — | $2K | 4.00% |
| NATIONAL INSURANCE SERVICES OF WI3 | 250 SOUTH EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WA 53005 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $2K | — | $2K | 3.77% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES, INC. | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $2K | — | $2K | 3.00% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES, INC. | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| JAMES W WARD3 | 5209 LAKESHORE DRIVE COLUMBIA, SC 29206 | SECURIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 41.99% |
| OCHS INC3 Filed as: OCHS INC. | 400 ROBERT ST NO SUITE 1880 ST PAUL, MN 55101 | SECURIAN LIFE INSURANCE COMPANY | — | $904 | $904 | 17.99% |
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 | 566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 992 | $126K |
| Vision | VISION SERVICE PLAN | 352 | $39K |
| Life insurance(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 675 | $79K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 557 | $57K |
| Long-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 557 | $57K |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 501 | $241K |
| Other | MINNESOTA LIFE INSURANCE COMPANY | 675 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 992 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.