| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R L KING INSURANCE AGENCY INC3 | 7723 AIRPORT HIGHWAY #F PO BOX 1265 HOLLAND, OH 43528 | MEDICAL MUTUAL OF OHIO | $121K | $24 | $121K | 2.91% |
| R L KING INSURANCE AGENCY INC3 | 124 NORTH SUMMIT, SUITE 310 TOLEDO, OH 43604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.38% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $586 | — | $586 | 0.30% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON AGENCY, INC. | 10725 PINE VALLEY CIRCLE PAINESVILLE, OH 44077 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.50% |
| R L KING INSURANCE AGENCY INC3 | 7723 AIRPORT HIGHWAY #F PO BOX 1265 HOLLAND, OH 43528 | CONSUMERS LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.85% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON AGENCY, INC. | 10725 PINE VALLEY CIRCLE PAINESVILLE, OH 44077 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.56% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON AGENCY, INC. | 10725 PINE VALLEY CIRCLE PAINESVILLE, OH 44077 | COMPBENEFITS | $3K | — | $3K | 10.01% |
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 | 672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 676 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 491 | $4.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 404 | $198K |
| Vision | COMPBENEFITS | 256 | $30K |
| Life insurance(2 contracts, 2 carriers) | CONSUMERS LIFE INSURANCE COMPANY | 661 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 664 | $105K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 491 | $4.2M |
| Other | CONSUMERS LIFE INSURANCE COMPANY | 661 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.