| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASHLEY INSURANCE GROUP3 | 1645 INDIAN WOOD CIRCLE STE 203 MAUMEE, OH 43537 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| SAVAGE & ASSOCIATES INC3 | 4427 TALMADGE RD BLDG 2 TOLEDO, OH 43623 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $101 | $2K | 13.79% |
| ASHLEY INSURANCE GROUP3 | 1645 INDIANWOOD CIRCLE STE 102 MAUMEE, OH 43537 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $628 | — | $628 | 5.30% |
| THE ASHLEY GROUP3 | 1645 INDIAM WOOD CIR STE 203 MAUMEE, OH 43537 | VISION SERVICE PLAN | $301 | — | $301 | 4.96% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE & ASSOCIATES | 4427 TALMADGE RD BLDG 2 TOLEDO, OH 43623 | VISION SERVICE PLAN | $252 | — | $252 | 4.15% |
| ASHLEY INSURANCE GROUP3 | 1645 INDIAN WOOD CIRCLE STE 203 MAUMEE, OH 43537 | CONSUMERS LIFE INSURANCE COMPANY | $421 | $124 | $545 | 19.17% |
| ASHLEY INSURANCE GROUP3 | 1645 INDIANWOOD CIRCLE STE 102 MAUMEE, OH 43537 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $186 | — | $186 | 14.98% |
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 | 97 | 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) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 0 | $0 |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $12K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $18K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $15K |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $25K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
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.