| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENTSER VICES INC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 8.95% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 8.44% |
| RONALD T DREBERT3 | 2624 GREENACRE DRIVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $823 | $0 | $823 | 1.07% |
| MJ INSURANCE3 Filed as: BELDEN A BESSE AND VARIOUS AGENTS | 518 4TH STREET FINDLEY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $804 | $0 | $804 | 1.05% |
| CHAD A POLLOCK3 | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $640 | $0 | $640 | 0.83% |
| COMPLETE LIFESTYLE PROTECTION LLC3 | 101 WEST SANDUSK Y STREET SUITE 200 FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $240 | $0 | $240 | 0.31% |
| BRIAN J DAY3 | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | $0 | $220 | 0.29% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | $3K | $13K | 16.86% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 2.34% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES | 11201 SANDUSKY STREET, SUITE 201 PERRYSBURG, OH 43551 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 5.24% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 4.28% |
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.42% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF OHIO | $505 | $0 | $505 | 2.00% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $599 | $0 | $599 | 3.55% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENTSER VICES INC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $571 | $0 | $571 | 3.38% |
| MJ INSURANCE3 Filed as: BRIAN J DAY AND VARIOUS AGENTS | 8744 UNION CENTER BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | $0 | $135 | 0.80% |
| RONALD T DREBERT3 | 2624 GREENACRE DRIVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | $0 | $119 | 0.70% |
| CHAD A POLLOCK3 | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | $0 | $100 | 0.59% |
| COMPLETE LIFESTYLE PROTECTION LLC3 | 101 WEST SANDUSK Y STREET SUITE 200 FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | $0 | $54 | 0.32% |
| BELDEN A BESSE3 | 518 4TH STREET FINDLEY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.24% |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF OHIO | 348 | $91K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 298 | $152K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 84 | $50K |
| Long-term disability(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 298 | $103K |
| Other(5 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 402 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.