| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVAGE & ASSOCIATES INC3 | 4427 TALMADGE TOLEDO, OH 43623 | COMMUNITY INSURANCE COMPANY | $27K | $3K | $30K | 2.75% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FINANCIAL RISK MANAGEMENT AGENCY | — | AMERICAN UNITED LIFE | $5K | — | $5K | 15.00% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY M LLOYD INC | DBA STRATEGIC ENROLLMENT SERVICES 1205 LOUISIANA AVE #441 PERRYSBURG, OH 43552 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 7.97% |
| BERNARD A. NIENBERG3 | PO BOX 130 GLANDORF, OH 458480130 | VISION SERVICE PLAN | $942 | — | $942 | 5.99% |
| SAVAGE & ASSOCIATES INC3 | 4427 TALMADGE TOLEDO, OH 43623 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 9.16% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY M LLOYD INC | DBA STRATEGIC ENROLLMENT SERVICES 1205 LOUISIANA AVE #441 PERRYSBURG, OH 43552 | UNION SECURITY INSURANCE COMPANY | $869 | — | $869 | 22.95% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 165 | $1.1M |
| Dental | UNION SECURITY INSURANCE COMPANY | 33 | $18K |
| Vision | VISION SERVICE PLAN | 61 | $16K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE | 114 | $47K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE | 70 | $38K |
| Long-term disability | AMERICAN UNITED LIFE | 70 | $34K |
| Other | AMERICAN UNITED LIFE | 70 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.