| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT M NICKOSON3 Filed as: ROBERT NICKOSON | 30B NORTHWEST AVE TALMADGE, OH 44278 | DELTA DENTAL OF OHIO | $4K | — | $4K | 6.19% |
| BROKERNET INC3 Filed as: BROKERNET, INC. | 110 NORTHWOODS BLVD COLUMBUS, OH 43235 | DELTA DENTAL OF OHIO | $3K | — | $3K | 4.95% |
| ROBERT M NICKOSON3 Filed as: ROBERT M. NICKOSON | 30 NORTHWEST AVENUE BUILDING B SUITE 111 TALMADGE, OH 44278 | VISION SERVICE PLAN | $902 | — | $902 | 6.35% |
| ROBERT M NICKOSON3 | 30B NORTHWEST AVENUE SUITE 111 TALLMADGE, OH 44278 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 12.58% |
| MAY INSURANCE SERVICES INC3 Filed as: MAY INSURANCE SERVICES | 110 NORTHWOODS BLVD SUITE C COLUMBUS, OH 43235 | COMPANION LIFE INSURANCE COMPANY | $533 | — | $533 | 6.29% |
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 | 92 | 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) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 168 | $63K |
| Vision | VISION SERVICE PLAN | 100 | $14K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 139 | $8K |
| Other | COMPANION LIFE INSURANCE COMPANY | 139 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.