| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TOKIO MARINE HCC | $7K | — | $7K | 2.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 11.24% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 9.08% |
| MELISSA R TRENTMAN3 Filed as: MELISSA RENEE TRENTMAN | 9472 STATE ROUTE 66 DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $471 | — | $471 | 0.28% |
| RUBLE & ASSOCIATES LLC3 | 769 PROSPECT ROAD NEW LONDON, OH 44851 | CONTINENTAL AMERICAN INSURANCE COMPANY | $407 | — | $407 | 0.24% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $240 | — | $240 | 0.14% |
| AMY HILT3 Filed as: AMY JO HILT | 1535 COUNTY ROAD 14 GIBSONBURG, OH 43431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $222 | — | $222 | 0.13% |
| RUBLE & ASSOCIATES LLC3 | 769 PROSPECT ROAD NEW LONDON, OH 44851 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 0.12% |
| MELISSA R TRENTMAN3 Filed as: MELISSA RENEE TRENTMAN | 9472 STATE ROUTE 66 DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.03% |
| TJH CONSULTANTS LLC3 | 25144 ROCKY HARBOUR DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.03% |
| CHARLES POLIZANO3 | 387 RUTLEDGE COURT PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.02% |
| DAVID NELSON MULLINS3 | 1437 ROYALTON ROAD TOLEDO, OH 43612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.02% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH, LLC | 825 WEST MARKET STREET SUITE 101 LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| CHADUM J OCHS3 Filed as: CHADUM JACE OCHS | 323 JACKSON STREET FREMONT, OH 43420 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| AARON ANSPACH LLC3 | 825 WEST MARKET STREET SUITE 101 LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BENJAMIN D WISE3 Filed as: BENJAMIN DANIEL WISE | 132 EAST 2ND STREET VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 2000 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $4K | $14K | 10.50% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.86% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 4.64% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | PRINCIPAL LIFE INSURANCE COMPANY | — | $542 | $542 | 0.41% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL OF OHIO | $23K | $2K | $24K | — |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | MEDICAL MUTUAL OF OHIO | $16K | $116 | $16K | — |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 412 | $133K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 412 | $133K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | TOKIO MARINE HCC | 281 | $365K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 412 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.