| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN, LLC | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | MEDICAL MUTUAL OF OHIO | $35K | $0 | $35K | 2.52% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | MEDICAL MUTUAL OF OHIO | $14K | $65 | $14K | 1.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 360 THREE MEADOWS DRIVE PERRUSBURG, OH 43551 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 10.29% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.52% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC SOLUTIONS, LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $923 | $923 | 0.76% |
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 | 52 | 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) | 52 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 102 | $1.4M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $121K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $121K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $121K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $121K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $121K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 102 | $1.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
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.