| 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 | $6K | $42K | 14.18% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY INSURANCE GROUP LTD | 165 JACKSON STREET SANDUSKY, OH 44870 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $3K | $9K | 8.62% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.46% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.92% |
| RUBLE & ASSOCIATES LLC3 | 3769 PROSPECT ROAD NEW LONDON, OH 44851 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.37% |
| JAMES LOCKWOOD3 | 134 WEST SOUTH BOUNDARY STREET SUITE A PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $698 | — | $698 | 0.96% |
| MELISSA R TRENTMAN3 | 9472 STATE ROUTE 66 DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $524 | — | $524 | 0.72% |
| RUBLE & ASSOCIATES LLC3 | 3769 PROSPECT ROAD NEW LONDON, OH 44851 | CONTINENTAL AMERICAN INSURANCE COMPANY | $450 | — | $450 | 0.62% |
| AARON ANSPACH LLC3 | 825 WEST MARKET STREET SUITE 101 LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $304 | — | $304 | 0.42% |
| AMY HILT3 Filed as: AMY J HILT | 1535 CR 14 GIBSONBURG, OH 43431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $263 | — | $263 | 0.36% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY J MOTTER | 2268 MCKINLEY DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | — | $148 | 0.20% |
| CHARLES POLIZANO3 | 387 RUTLEDGE COURT PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.07% |
| DAVID N MULLINS JR3 | 1437 ROYALTON ROAD TOLEDO, OH 43612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.07% |
| BENJAMIN D WISE3 | 132 EAST 2ND STREET VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| CHADUM J OCHS3 | 323 JACKSON STREET FREMONT, OH 43420 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| W C FELTON AGENCY INC3 | 51 SOUTH WASHINGTON STREET TIFFIN, OH 44883 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $143 | — | $143 | 15.05% |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $108K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $108K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 231 | $298K |
| Other(5 contracts, 5 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.