| 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 | BLUE CARE NETWORK OF MICHIGAN | $23K | — | $23K | 4.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO LLC | 360 3 MEADOWS DR PERRYSBURG, OH 43551 | COMMUNITY INSURANCE COMPANY | $17K | — | $17K | 3.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, LLC | 360 THREE MEADOWS DR PERRYSBURG, OH 43551 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $4K | $19K | 14.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, LLC | 360 THREE MEADOWS DR PERRYSBURG, OH 43551 | VISION SERVICE PLAN | $1K | — | $1K | 4.77% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES LLC | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 33.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, LLC | 360 THREE MEADOWS DR PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 22.10% |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 123 | $513K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $129K |
| Vision | VISION SERVICE PLAN | 148 | $29K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $129K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $129K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $129K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 123 | $513K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.