| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT STRATEGIES AGENCY, LLC3 | 655 FOX RUN ROAD, SUITE A FINDLAY, OH 45840 | HCC LIFE INSURANCE COMPANY | $51K | — | $51K | 10.00% |
| AMWINS5 | — | EXPRESS SCRIPTS, INC. | $10K | — | $10K | 7.89% |
| BENEFITS STRATEGIES AGENCY3 Filed as: BENEFITS STRATEGIES AGENCY, LLC | — | EXPRESS SCRIPTS, INC. | $3K | — | $3K | 2.74% |
| AMWINS5 | — | TRANSAMERICA INSURANCE CO. | $11K | — | $11K | 11.77% |
| BENEFITS STRATEGIES AGENCY3 Filed as: BENEFITS STRATEGIES AGENCY, LLC | — | TRANSAMERICA INSURANCE CO. | $6K | — | $6K | 5.88% |
| BENEFIT STRATEGIES AGENCY, LLC3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $14K | 17.47% |
| BENEFIT STRATEGIES AGENCY, LLC3 | 655 FOX RUN ROAD SUITE A FINDLAY, OH 45840 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.11% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES, LLC | 655 FOX RUN ROAD SUITE A FINDLAY, OH 45840 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BENEFIT STRATEGIES AGENCY, LLC3 | — | VISION SERVICE PLAN | $987 | — | $987 | 5.93% |
| BENEFITS STRATEGIES AGENCY3 Filed as: BENEFITS STRATEGIES AGENCY, LLC | 655 FOX RUN ROAD, STE. A FINDLAY, OH 45840 | AMERITAS INSURANCE | $348 | — | $348 | 10.63% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | AMERITAS INSURANCE | $312 | — | $312 | 9.53% |
| WEB TPA3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | AMERITAS INSURANCE | $164 | — | $164 | 5.01% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | ATTN LORI EISEL 121 NORTH MARKET ST., STE. 600 WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 1.97% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY J. MOTTER | 2268 MCKINLEY DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 1.35% |
| JESSICA C RUSSELL3 Filed as: JESSICA C. RUSSELL | 3054 DUSTIN RD. #167785 OREGON, OH 43616 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 1.14% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | ATTN LORI EISEL 121 N. MARKET ST., STE. 600 WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.83% |
| CHAD A POLLOCK3 Filed as: CHAD A. POLLOCK | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.83% |
| JILL BAYES3 | 5301 SOUTHWYCK BLVD 200 TOLEDO, OH 43614 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.73% |
| BRIAN J DAY3 Filed as: BRIAN J. DAY | 8744 UNION CENTRE BLVD. WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.31% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.10% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD. WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.10% |
| INGER M PENNINGTON3 Filed as: INGER M. PENNINGTON | 7179 HONEYWOOD CT. WEST CHESTER, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS INC. EIN 36-3086057 NONE | Claims processing Service code 12 | — | $36K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing Service code 12 | — | $30K |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HCC LIFE INSURANCE COMPANY | 125 | $687K |
| Dental | AMERITAS INSURANCE | 12 | $3K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 101 | $20K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $83K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $83K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $83K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 62 | $124K |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 125 | $599K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
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.