| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE | $11K | — | $11K | 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% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $10K | — | $10K | 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 | 655 FOX RUN ROAD, STE. A FINDLAY, OH 45840 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $5K | $13K | 18.39% |
| BENEFIT STRATEGIES AGENCY, LLC3 | 655 FOX RUN ROAD, STE. A FINDLAY, OH 458408401 | NATIONAL UNION FIRE | $3K | — | $3K | 10.00% |
| BENEFIT STRATEGIES AGENCY, LLC3 | 655 FOX RUN ROAD, STE. A FINDLAY, OH 458408401 | VISION SERVICE PLAN | $890 | — | $890 | 6.39% |
| BENEFIT STRATEGIES AGENCY, LLC3 | 655 FOX RUN RD., STE. A FINDLAY, OH 458408401 | TELADOC | $821 | — | $821 | 15.01% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 121 N. MARKET ST., STE. 600 ATTN - LORI EISEL WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 2.21% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY J. MOTTER | 2268 MCKINLEY DRIVE PERRYBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 1.45% |
| JESSICA C RUSSELL3 Filed as: JESSICA C. RUSSELL | 2918 WEST BROOK DR. TOLEDO, OH 43613 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 1.25% |
| CHAD A POLLOCK3 Filed as: CHAD A. POLLOCK | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.90% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 121 N. MARKET ST., STE. 600 ATTN - LORI EISEL WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.83% |
| JILL BAYES3 | 5301 SOUTHWYCK BLVD., STE. 200 TOLEDO, OH 43614 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.83% |
| BRIAN J DAY3 Filed as: BRIAN J. DAY | 8744 UNION CENTRE BLVD. WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.28% |
| CHRIS D BOULDREY3 Filed as: CHRIS D. BOULDREY | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.07% |
| INGER M PENNINGTON3 Filed as: INGER M. PENNINGTON | 7179 HONEYWOOD CT. CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.07% |
| IAN B BRANYON3 Filed as: IAN B. BRANYON | 8744 UNION CENTRE BLVD. WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS INC. EIN 36-3086057 NONE | Claims processing Service code 12 | — | $32K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing Service code 12 | — | $26K |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | TRANSAMERICA INSURANCE CO. | 118 | $177K |
| Vision | VISION SERVICE PLAN | 83 | $14K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $69K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $69K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $69K |
| Prescription drug | STONEBRIDGE LIFE INSURANCE | 58 | $117K |
| Stop-loss / reinsurancereinsurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $514K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
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.