| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENERGY INSURANCE AGENCY INC3 | 460 W DUSSEL DR STE B MAUMEE, OH 43537 | MEDICAL MUTUAL OF OHIO | $43K | $4K | $47K | 11.20% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43604 | MEDICAL MUTUAL OF OHIO | $43K | $96 | $43K | 10.38% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY, INC | 469 W DUSSEL DRIVE SUITE B MAUMEE, OH 43537 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 6.72% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 5.46% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS INC. | 1485 PRINCE CHARLES AVE. WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.53% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.48% |
| ENERGY INSURANCE AGENCY INC3 | 460 W DUSSEL DR STE B MAUMEE, OH 43537 | VISION SERVICE PLAN | $775 | — | $775 | 3.62% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43603 | VISION SERVICE PLAN | $775 | — | $775 | 3.62% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.01% |
| ENERGY INSURANCE AGENCY INC3 | PO BOX 55268 LEXINGTON, KY 40555 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.99% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 196 | $416K |
| Dental | MEDICAL MUTUAL OF OHIO | 196 | $416K |
| Vision | VISION SERVICE PLAN | 210 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $121K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $121K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 196 | $416K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.