| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF OHIO | $3K | $0 | $3K | 5.73% |
| USI INSURANCE SERVICES LLC3 | 1 SEAGATE, SUITE 1800 TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $324 | $6K | 14.65% |
| USI INSURANCE SERVICES LLC3 | 1 SEAGATE, SUITE 1800 TOLEDO, OH 43604 | AFLAC | $3K | $0 | $3K | 7.11% |
| ANTHONY JOSEPH MOTTER3 | 134 WEST SOUTH BOUNDARY STREET SUITE A PERRYSBURG, OH 43551 | AFLAC | $1K | $5 | $1K | 2.79% |
| JOHN L. SMITH3 | 1111 HERITAGE LANE OREGON, OH 43616 | AFLAC | $520 | $95 | $615 | 1.67% |
| PHILLIP C. KOESTER AND OTHER AGENTS3 | 828 CONTINENTAL DRIVE WATERVILLE, OH 43566 | AFLAC | $306 | $30 | $336 | 0.91% |
| CHAD A POLLOCK3 Filed as: CHAD A. POLLOCK | 6506 ANTHONY DRIVE MAUMEE, OH 43537 | AFLAC | $289 | $5 | $294 | 0.80% |
| MELANIE KING3 Filed as: MELANIE L. KING | 1110 HEIDELBERG ROAD TOLEDO, OH 43615 | AFLAC | $283 | $0 | $283 | 0.77% |
| JESSICA C RUSSELL3 Filed as: JESSICA C. RUSSELL | 2918 WESTBROOK DRIVE TOLEDO, OH 43613 | AFLAC | $240 | $0 | $240 | 0.65% |
| USI INSURANCE SERVICES LLC3 | 1 SEAGATE, SUITE 1800 TOLEDO, OH 43604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 1.93% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 180 | $56K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $38K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 69 | $37K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $38K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.