| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $14K | $14K | 3.61% |
| USI INSURANCE SERVICES LLC3 | 1301 EAST 9TH STREET, SUITE 3800 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $13K | $13K | 3.95% |
| MELANIE KING3 Filed as: MELANIE L. KING | 1331 CONANT STREET, SUITE 201 MARIMEE, OH 43537 | CONTINENTAL AMERICAN INSURANCE COMPANY | $245 | $0 | $245 | 2.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $223 | $0 | $223 | 1.88% |
| USI INSURANCE SERVICES LLC3 | 720 PETE ROSE WAY, SUITE 400 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | $0 | $140 | 1.18% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY J. MOTTER AND OTHER AGENTS | 2268 MCKINLEY DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | $0 | $109 | 0.92% |
| CHARLES POLIZANO3 | 387 RUTLEDGE COURT PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | $0 | $70 | 0.59% |
| MELANIE KING3 Filed as: MELANIE L. KING | 111 HEIDELBERG ROAD TOLEDO, OH 43615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 0.41% |
| COREY KING3 | 1331 CONANT STREET, SUITE 201 MAUMEE, OH 43537 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | $0 | $42 | 0.35% |
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 | 962 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 687 | $317K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 687 | $317K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 994 | $391K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 994 | $391K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 994 | $391K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 994 | $403K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 994 | — |
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.