| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICAL MUTUAL5 | 2060 EAST 9TH STREET CLEVELAND, OH 44115 | MEDICAL MUTUAL OF OHIO | $0 | $311K | $311K | 5.98% |
| OCHS INC3 Filed as: OCHS | 400 ROBERT STREET NORTH ST. PAUL, MN 55101 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $25K | $25K | 12.60% |
| FINDLEY DAVIES AGENCY, LLC3 | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | MINNESOTA LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | 1 SEAGATE SUITE 2050 TOLEDO, OH 43604 | VISION SERVICE PLAN | $5K | — | $5K | 5.00% |
| JAMES W WARD3 | 5209 LAKESHORE DRIVE COLUMBIA, SC 29206 | SECURIAN LIFE INSURANCE COMPANY | $92 | — | $92 | 1.40% |
| OCHS INC3 Filed as: OCHS INC. | 400 ROBERT STREET NORTH ST. PAUL, MN 55101 | SECURIAN LIFE INSURANCE COMPANY | $0 | $40 | $40 | 0.61% |
| JAMES W WARD3 | 5209 LAKESHORE DRIVE COLUMBIA, SC 29206 | SECURITY LIFE INSURANCE COMPANY | $80 | — | $80 | — |
| CCHS INC.3 | 400 ROBERT STREET NORTH ST. PAUL, MN 55101 | SECURITY LIFE INSURANCE COMPANY | $0 | $34 | $34 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $26K |
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 | 606 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 561 | $5.2M |
| Vision | VISION SERVICE PLAN | 459 | $99K |
| Life insurance(3 contracts, 3 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 804 | $206K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 607 | $63K |
| Long-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 372 | $61K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 561 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 804 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.