| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| W C FELTON AGENCY INC3 Filed as: WC FELTON AGENCY INC | 51 SOUTH WASHINGTON STREET TIFFIN, OH 44883 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 9.36% |
| W C FELTON AGENCY INC3 Filed as: WC FELTON AGENCY INC | 51 SOUTH WASHINGTON STREET TIFFIN, OH 44883 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 9.33% |
| W C FELTON AGENCY INC3 Filed as: W.C. FELTON/UIS INSURANCE CO. | — | HCC LIFE INSURANCE CO | — | $10K | $10K | 10.71% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANY | — | HCC LIFE INSURANCE CO | — | $2K | $2K | 2.62% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO. | 1100 SUPERIOR AVE EAST SUITE 1601 CLEVELAND, OH 44114 | VISION SERVICE PLAN | $1K | — | $1K | 1.68% |
| W C FELTON AGENCY INC3 Filed as: WC FELTON AGENCY INC | 51 SOUTH WASHINGTON STREET TIFFIN, OH 44883 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.29% |
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 | 603 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,369 | $351K |
| Vision | VISION SERVICE PLAN | 453 | $72K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 356 | $125K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | MEDICAL EXCESS, LLC. | 603 | $273K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 597 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,369 | — |
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.