| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS3 | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | STONEBRIDGE LIFE INSURANCE | $10K | — | $10K | 9.55% |
| BENEFITS STRATEGIES AGENCY3 Filed as: BENEFITS STRATEGIES AGENCY LLC | 655 FOX RUN ROAD STE A FINDLAY, OH 45840 | STONEBRIDGE LIFE INSURANCE | $3K | — | $3K | 2.81% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY LLC | 655 FOX RUN RD STE A FINDLAY, OH 45840 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $42K | — | $42K | 40.33% |
| AMWINS3 | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | TRANSAMERICA INSURANCE CO | $9K | — | $9K | 11.76% |
| BENEFITS STRATEGIES AGENCY3 Filed as: BENEFITS STRATEGIES AGENCY LLC | 655 FOX RUN ROAD STE A FINDLAY, OH 45840 | TRANSAMERICA INSURANCE CO | $5K | — | $5K | 5.88% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY LLC | 655 FOX RUN STE A FINDLAY, OH 45840 | GUARDIAN | $8K | $439 | $9K | 12.49% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY LLC | 655 FOX RUN RD STE A FINDLAY, OH 45840 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 11.11% |
| BENEFIT STRATEGIES AGENCY, LLC Filed as: BENEFIT STRATEGIES AGENCY | 655 FOX RUN RD STE A FINDLAY, OH 458408401 | NATIONAL UNION FIRE | $3K | — | $3K | 10.01% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY LLC | 655 FOX RUN RD STE A FINDLAY, OH 45840 | VISION SERVICE PLAN | $822 | — | $822 | 6.83% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY LLC | 655 FOX RUN RD STE A FINDLAY, OH 45840 | TELADOC | $811 | — | $811 | 15.00% |
| HUNTINGTON INSURANCE INC3 | 121 NORTH MARKET ST WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 2.84% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY J MOTTER | 2268 MCKINLEY DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 1.31% |
| JESSICA C RUSSELL3 | 1758 MEADOWLARK AVE TOLEDO, OH 43614 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 1.04% |
| CHAD A POLLOCK3 | 1106 LINDEN AVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.83% |
| JILL BAYES3 | 5301 SOUTHWYCK BLVD TOLEDO, OH 43614 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.76% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.28% |
| 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 | — | $24K |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 51 | $1K |
| Vision | VISION SERVICE PLAN | 72 | $12K |
| Short-term disability | GUARDIAN | 111 | $70K |
| Prescription drug(2 contracts, 2 carriers) | STONEBRIDGE LIFE INSURANCE | 107 | $111K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $146K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA INSURANCE CO | 114 | $102K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.