| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASHLEY INSURANCE GROUP3 | 1645 INDIAN WOOD CIRCLE SUITE #203 MAUMEE, OH 43537 | MEDICAL MUTUAL OF OHIO | $36K | $7K | $43K | 10.35% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY INSURANCE GROUP LTD | 165 JACKSON STREET SANDUSKY, OH 44870 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 11.82% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY INSURANCE GROUP LTD | 1645 INDIAN WOOD CIRCLE SUITE 203 MAUMEE, OH 43537 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 25.81% |
| RUBLE & ASSOCIATES LLC3 | 3760 PROSPECT ROAD NEW LONDON, OH 44851 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 11.58% |
| AMY HILT3 Filed as: AMY J HILT | 1535 COUNTY ROAD 14 GIBSONBURG, OH 43431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.29% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY J MOTTER | 2268 MCKINLEY DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.58% |
| DAVID N MULLINS JR3 | 1447 ROYALTON ROAD TOLEDO, OH 43612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $711 | — | $711 | 1.11% |
| CHARLES POLIZANO3 | 387 RUTLEDGE COURT PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $644 | — | $644 | 1.01% |
| CHADUM J OCHS3 | 323 JACKSON STREET FREMONT, OH 43420 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | — | $169 | 0.26% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY INS GROUP LTD | 165 JACKSON STREET SANDUSKY, OH 44870 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 6.39% |
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 | 321 | 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) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 340 | $110K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 340 | $110K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 237 | $412K |
| Other(6 contracts, 6 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 340 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.