| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $5K | $16K | 21.63% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.74% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF OHIO | $4K | $192 | $4K | 6.69% |
| USI INSURANCE SERVICES LLC3 | 1 SEAGATE, SUITE 1800 TOLEDO, OH 43604 | AFLAC | $4K | $0 | $4K | 11.13% |
| MELANIE KING3 Filed as: MELANIE L. KING | 1110 HEIDELBERG ROAD TOLEDO, OH 43615 | AFLAC | $2K | $13 | $2K | 4.67% |
| ANTHONY JOSEPH MOTTER3 | 134 WEST SOUTH BOUNDARY STREET SUITE A PERRYSBURG, OH 43551 | AFLAC | $1K | $44 | $1K | 2.72% |
| ERIN J. MARTIN AND OTHER AGENTS3 | 886 AUGUSTA BOULEVARD LOVELAND, OH 45140 | AFLAC | $755 | $289 | $1K | 2.68% |
| COREY J KING3 Filed as: COREY J. KING | 1110 HEIDELBERG ROAD TOLEDO, OH 43615 | AFLAC | $843 | $0 | $843 | 2.16% |
| ANNA L HUNTER3 Filed as: ANNA L. HUNTER | 4128 WILLIS BOULEVARD TOLEDO, OH 43623 | AFLAC | $422 | $0 | $422 | 1.08% |
| MARK R MUNDWILER3 Filed as: MARK R. MUNDWILER | 4340 BEVERLY DRIVE TOLEDO, OH 43614 | AFLAC | $258 | $0 | $258 | 0.66% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 174 | $55K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $74K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $113K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $74K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.