| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE CLEVELAND, OH 44115 | MEDICAL MUTUAL OF OHIO | $33K | $61 | $33K | 5.08% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY AGENCY, INC. | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | MEDICAL MUTUAL OF OHIO | $19K | — | $19K | 2.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI | 312 ELM STREET CINCINNATI, OH 45202 | MEDICAL MUTUAL OF OHIO | $5K | $7 | $5K | 0.74% |
| OCHS INC3 Filed as: OCHS | 400 ROBERT STREET NORTH ST. PAUL, MN 55101 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $26K | $26K | 12.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | MINNESOTA LIFE INSURANCE COMPANY | $6K | — | $6K | 2.92% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY | ONE SEAGATE TOLEDO, OH 43604 | MINNESOTA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI | ONE SEAGATE TOLEDO, OH 43604 | MINNESOTA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | VISION SERVICE PLAN | $3K | — | $3K | 2.91% |
| NATIONAL INSURANCE SERVICES3 | 250 SOUTH EXECUTIVE DRIVE BROOKFIELD, WI 53005 | MADITON NATIONAL LIFE | $6K | — | $6K | 9.40% |
| OCHS INC3 Filed as: OCHS INC. | 400 ROBERT STREET NORTH ST. PAUL, MN 55101 | MADITON NATIONAL LIFE | $3K | — | $3K | 4.00% |
| NATIONAL INSURANCE SERVICES3 | 250 SOUTH EXECUTIVE DRIVE BROOKFIELD, WI 53005 | MADISON NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 12.00% |
| OCHS INC3 Filed as: OCHS | 400 ROBERTS STREET ST. PAUL, MN 55101 | MADISON NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing 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 | 543 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 459 | $100K |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 799 | $204K |
| Short-term disability(2 contracts, 2 carriers) | MADITON NATIONAL LIFE | 580 | $122K |
| Prescription drug | BENECARD SERVICES | 557 | $1.4M |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 560 | $650K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 799 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.