| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL OF OHIO | $48K | $26K | $74K | 4.16% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $9K | $31K | 12.77% |
| MICHAEL M. WONG3 Filed as: MICHAEL M WONG | 3056 ALEX CT MAUMEE, OH 43537 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | — | $118 | 1.04% |
| KEITH SILVERNAIL3 | 5217 MONROE STREET, STE B2-2 TOLEDO, OH 43623 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | — | $90 | 0.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: NANCY BROWN | 5217 MONROE STREET, STE B2-2 TOLEDO, OH 43623 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | — | $90 | 0.79% |
| STRUCTURED BENEFITS3 | 5217 MONROE STREET, STE B2-2 TOLEDO, OH 43623 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.21% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE & ASSOCIATES, INC. | 4427 TALMADGE RD TOLEDO, OH 43623 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.13% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 160 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $246K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $246K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $257K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $246K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 160 | $1.8M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
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.