| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | AETNA LIFE INSURANCE COMPANY | $2K | $69K | $71K | 3.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $4K | $19K | 14.92% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 5.00% |
| STRUCTURED BENEFITS3 | PO BOX 1043 SYLVANIA, OH 43560 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | $0 | $54 | 0.88% |
| KEITH SILVERNAIL3 | 11056 BRINT ROAD BERKEY, OH 43504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | $0 | $44 | 0.72% |
| MICHAEL M. WONG3 | 3056 ALEX COURT MAUMEE, OH 43537 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | $0 | $44 | 0.72% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE & ASSOCS, INC. | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: NANCY BROWN | 5151 MONROE STREET, SUITE 243, 2 TOLEDO, OH 43623 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 348 | $2.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 348 | $2.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 348 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $135K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $128K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.