| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, INC. | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $64K | $0 | $64K | 14.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, INC. | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $9K | $31K | 11.94% |
| MICHAEL M. WONG3 | 3056 ALEX COURT MAUMEE, OH 43537 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | $0 | $57 | 0.97% |
| STRUCTURED BENEFITS3 | PO BOX 1043 SYLVANIA, OH 43560 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.88% |
| KEITH SILVERNAIL3 | 11056 BRINT ROAD BERKEY, OH 43504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | $0 | $44 | 0.75% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE AND ASSOCIATES, INC. | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: NANCY BROWN | 5151 MONROE STREET, SUITE 243 TOLEDO, OH 43623 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.07% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $439K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $264K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $264K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $270K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $264K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $439K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.