| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DRIVE DUBLIN, OH 43017 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $3K | — | $3K | 1.37% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE & ASSOCIATES, INC. | 4427 TALMADGE ROAD TOLEDO, OH 43623 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $2K | — | $2K | 0.91% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE AND ASSOCIATES INC | 4427 TALMADGE RD TOLEDO, OH 43623 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $659 | $14K | 9.23% |
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DR, SUITE D DUBLIN, OH 430176141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $469 | $10K | 6.38% |
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED BENEFITS FINANCIAL PLAN | 5880 VENTURE DR DUBLIN, OH 430176140 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 3.10% |
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DR, SUITE D DUBLIN, OH 430176141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $257 | $4K | 4.41% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE AND ASSOCIATES INC | 4427 TALMADGE RD TOLEDO, OH 43623 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $405 | $4K | 3.63% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE AND ASSOCIATES INC | 4427 TALMADGE RD TOLEDO, OH 43623 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $146 | $2K | 4.66% |
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DR, SUITE D DUBLIN, OH 430176141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $108 | $1K | 3.91% |
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 | 582 | 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) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 49 | $355K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $188K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $98K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $98K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.