| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | COMMUNITY INSURANCE COMPANY | $37K | $926 | $38K | 2.61% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 103 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | — | $1K | $1K | 0.10% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY INSURANCE GROUP LTD | 165 JACKSON STREET SANDUSKY, OH 44870 | COMMUNITY INSURANCE COMPANY | $557 | — | $557 | 0.04% |
| W C FELTON AGENCY INC3 | 51 SOUTH WASHINGTON STREET TIFFIN, OH 44883 | COMMUNITY INSURANCE COMPANY | -$3K | $2K | -$727 | -0.05% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 7.32% |
| DIGITAL INSURANCE LLC3 | 3912 SUNFOREST COURT TOLEDO, OH 43623 | AFLAC | $18K | — | $18K | 46.48% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH | 21397 LEHMAN ROAD DELPHOS, OH 45833 | AFLAC | $715 | — | $715 | 1.83% |
| AARON ANSPACH LLC3 | 209 NORTH MAIN STREET SUITE 8 LIMA, OH 45801 | AFLAC | $172 | — | $172 | 0.44% |
| THOMAS J HOUSER3 | 25144 ROCKY HARBOUR DRIVE PERRYSBURG, OH 43551 | AFLAC | $108 | — | $108 | 0.28% |
| GARY METER3 | 14366 STATE ROUTE 111 DEFIANCE, OH 43512 | AFLAC | $12 | — | $12 | 0.03% |
| THOMAS J HOUSER3 | 1435 MEANDER CIRCLE AKRON, OH 44312 | AFLAC | $10 | — | $10 | 0.03% |
| KEVIN W LAWSON3 | 2823 PROVINCETOWNE DRIVE TOLEDO, OH 43613 | AFLAC | $6 | — | $6 | 0.02% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $1 | — | $1 | 0.00% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 149 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $197K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 175 | $1.6M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $197K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $197K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $197K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.