| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FISHCO INC3 Filed as: FISHCO INC DBA ANDRES O'NEIL & LOWE | 227 NORTH LYNN ST. BRYAN, OH 43506 | COMMUNITY INSURANCE COMPANY | $25K | $368 | $25K | 2.27% |
| FISHCO INC3 Filed as: FISHCO, INC. DBA ANDRES, O'NEIL & L | 227 N. LYNN ST BRYAN, OH 43506 | SUPERIOR DENTAL CARE INC. | $3K | — | $3K | 6.84% |
| FISHCO INC3 Filed as: FISHCO INC DBA ANDRES O'NEIL & LOWE | 227 NORTH LYNN ST BRYAN, OH 43506 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 13.53% |
| FISHCO INC3 Filed as: FISHCO INC DBA ANGRES, O'NEIL & LOW | 227 N. LYNN ST BRYAN, OH 43506 | VISION SERVICE PLAN | $774 | — | $774 | 7.26% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 100 | $1.1M |
| Dental | SUPERIOR DENTAL CARE INC. | 153 | $40K |
| Vision | VISION SERVICE PLAN | 112 | $11K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 124 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.