| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, INC. | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $9K | $36K | 13.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, INC. | 360 3 MEADOWS DRIVE PERRYSBURG, OH 43551 | VISION SERVICE PLAN | $6K | $0 | $6K | 11.05% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $305 | $0 | $305 | 0.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, INC. | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | CONTINENTAL INSURANCE COMPANY | $3K | $0 | $3K | 9.60% |
| MELISSA R TRENTMAN3 | 9742 STATE ROUTE 66 DELPHOS, OH 45833 | CONTINENTAL INSURANCE COMPANY | $2K | $0 | $2K | 6.19% |
| BENJAMIN D WISE3 | 132 EAST 2ND STREET VAN WERT, OH 45891 | CONTINENTAL INSURANCE COMPANY | $313 | $0 | $313 | 1.20% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH, LLC | 825 WEST MARKET STREET, SUITE 101 LIMA, OH 45805 | CONTINENTAL INSURANCE COMPANY | $194 | $0 | $194 | 0.74% |
| MJ INSURANCE3 Filed as: WENDY W. BAXTER AND VARIOUS AGENTS | 4650 ADA ROAD LIMA, OH 45801 | CONTINENTAL INSURANCE COMPANY | $124 | $0 | $124 | 0.48% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH, LLC | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL INSURANCE COMPANY | $118 | $0 | $118 | 0.45% |
| THOMAS J HOUSER3 | 2720 BRIARWOOD COURT POLAND, OH 44514 | CONTINENTAL INSURANCE COMPANY | $85 | $0 | $85 | 0.33% |
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 | 394 | 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) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 201 | $55K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $271K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $271K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $271K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 394 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.