| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO LLC | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | MEDICAL MUTUAL OF OHIO | $27K | — | $27K | 2.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO LLC | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | MEDICAL MUTUAL OF OHIO | — | $2 | $2 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO LLC | 360 THREE MEADOWS DR. PERRYSBURG, OH 43551 | GUARDIAN | $6K | — | $6K | 10.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO LLC | 360 THREE MEADOWS DR PERRYSBURG, OH 43551 | VISION SERVICE PLAN | $1K | — | $1K | 4.64% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 60 | $919K |
| Dental | GUARDIAN | 129 | $54K |
| Vision | VISION SERVICE PLAN | 118 | $31K |
| Life insurance | GUARDIAN | 129 | $54K |
| Short-term disability | GUARDIAN | 129 | $54K |
| Other | GUARDIAN | 129 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.