| 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 | MEDICAL MUTUAL | $31K | — | $31K | 2.98% |
| FISHCO INC3 Filed as: FISHCO, INC. DBA ANDRES, O'NEIL & L | 227 N. LYNN ST BRYAN, OH 43506 | SUPERIOR DENTAL CARE INC. | $3K | — | $3K | 7.10% |
| FISHCO INC3 Filed as: FISHCO INC DBA ANDRES O'NEIL & LOWE | 227 NORTH LYNN ST BRYAN, OH 43506 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 12.53% |
| CORNERSTONE BROKER INS SERVICES Filed as: CORNERSTONE BROKER INS SERVICES AGE | 2101 FLORENCE AVE CINCINNATI, OH 45206 | ANTHEM LIFE INSURANCE COMPANY | $34 | — | $34 | 0.23% |
| FISHCO INC3 Filed as: FISHCO INC DBA ANGRES, O'NEIL & LOW | 227 N. LYNN ST BRYAN, OH 43506 | VISION SERVICE PLAN | $766 | — | $766 | 7.32% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 95 | $1.0M |
| Dental | SUPERIOR DENTAL CARE INC. | 152 | $41K |
| Vision | VISION SERVICE PLAN | 98 | $10K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 107 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
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.