| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1301 EAST 9TH STREET, SUITE 3800 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 8.31% |
| MELANIE KING3 Filed as: MELANIE L. KING | 1331 CONANT STREET, SUITE 201 MARIMEE, OH 43537 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.84% |
| CHARLES POLIZANO3 Filed as: CHARLES POLIZANO AND OTHER AGENTS | 387 RUTLEDGE COURT PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $925 | $0 | $925 | 1.75% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY J. MOTTER | 2268 MCKINLEY DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $891 | $0 | $891 | 1.68% |
| COREY KING3 | 1331 CONANT STREET, SUITE 201 MAUMEE, OH 43537 | CONTINENTAL AMERICAN INSURANCE COMPANY | $658 | $0 | $658 | 1.24% |
| ANNA L HUNTER3 Filed as: ANNA L. HUNTER | 4128 WILLIS BOULEVARD TOLEDO, OH 43623 | CONTINENTAL AMERICAN INSURANCE COMPANY | $565 | $0 | $565 | 1.07% |
| USI INSURANCE SERVICES LLC3 | 720 PETE ROSE WAY, SUITE 400 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $227 | $0 | $227 | 0.43% |
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 | 982 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,037 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 719 | $295K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 719 | $295K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,020 | $269K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,020 | $269K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,020 | $269K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,020 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,020 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.