| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY LLC | 655 FOX RUN RD STE A FINDLAY, OH 45840 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | — | $30K | 10.00% |
| AMWINS3 | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | UNITED AMERICAN INS CO | $9K | — | $9K | 9.55% |
| BENEFITS STRATEGIES AGENCY3 Filed as: BENEFITS STRATEGIES AGENCY LLC | 655 FOX RUN ROAD STE A FINDLAY, OH 45840 | UNITED AMERICAN INS CO | $3K | — | $3K | 2.81% |
| AMWINS3 | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | UNITED AMERICAN INS CO | $8K | — | $8K | 11.76% |
| BENEFITS STRATEGIES AGENCY3 Filed as: BENEFITS STRATEGIES AGENCY LLC | 655 FOX RUN ROAD STE A FINDLAY, OH 45840 | UNITED AMERICAN INS CO | $4K | — | $4K | 5.88% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY LLC | 655 FOX RUN RD STE A FINDLAY, OH 45840 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 10.41% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY LLC | 655 FOX RUN RD STE A FINDLAY, OH 45840 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.11% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY LLC | 655 FOX RUN STE A FINDLAY, OH 45840 | GUARDIAN | $3K | — | $3K | 20.00% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY LLC | 655 FOX RUN RD STE A FINDLAY, OH 45840 | VISION SERVICE PLAN | $736 | — | $736 | 7.57% |
| HUNTINGTON INSURANCE INC3 | 121 NORTH MARKET ST STE 600 WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 2.90% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY J MOTTER | 2268 MCKINLEY DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 1.28% |
| CHAD A POLLOCK3 | 1106 LINDEN AVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.81% |
| JILL BAYES3 | 5301 SOUTHWYCK BLVD 200 TOLEDO, OH 43614 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.74% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.27% |
| GARY E SADLER3 | 4244 SCHOOLER RD CRIDERSVILLE, OH 45806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.07% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.07% |
| INGER M PENNINGTON3 | 242 TANSEY XING WESTFIELD, IN 46074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.07% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS EIN 36-3086057 | Claims processing Service code 12 | 200 W ADAMS ST STE500 CHICAGO, IL 60606 | $31K |
| AETNA EIN 06-6033492 | Claims processing Service code 12 | — | $22K |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 56 | $10K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $43K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $56K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $42K |
| Prescription drug | UNITED AMERICAN INS CO | 52 | $90K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $332K |
| Other(3 contracts, 3 carriers) | UNITED AMERICAN INS CO | 114 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.