| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, LLC | 360 3 MEADOWS DRIVE PERRYSBURG, OH 43551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $4K | $30K | 11.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, LLC | 360 3 MEADOWS DRIVE PERRYSBURG, OH 43551 | VISION SERVICE PLAN | $5K | $0 | $5K | 10.02% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $267 | $0 | $267 | 0.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, INC. | 706 INDIAN HILL ROAD TERRACE PARK, OH 45174 | CONTINENTAL INSURANCE COMPANY | $1K | $0 | $1K | 11.49% |
| MELISSA R TRENTMAN3 Filed as: MELISSA R. TRENTMAN | 9472 STATE ROUTE 66 DELPHOS, OH 45833 | CONTINENTAL INSURANCE COMPANY | $1K | $0 | $1K | 8.87% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL INSURANCE COMPANY | $72 | $0 | $72 | 0.64% |
| BENJAMIN D WISE3 Filed as: BENJAMIN D. WISE | 132 EAST 2ND STREET VAN WERT, OH 45891 | CONTINENTAL INSURANCE COMPANY | $67 | $0 | $67 | 0.59% |
| TJH CONSULTANTS LLC3 Filed as: TJH CONSULTING LLC | 25144 ROCKY HARBOUR DRIVE PERRYSBURG, OH 43551 | CONTINENTAL INSURANCE COMPANY | $59 | $0 | $59 | 0.52% |
| MJ INSURANCE3 Filed as: WENDY BAXTER AND VARIOUS AGENTS | 4650 ADA ROAD LIMA, OH 45801 | CONTINENTAL INSURANCE COMPANY | $49 | $0 | $49 | 0.43% |
| AARON ANSPACH LLC3 | 825 WEST MARKET STREET LIMA, OH 45805 | CONTINENTAL INSURANCE COMPANY | $31 | $0 | $31 | 0.27% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 187 | $53K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 291 | $250K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 291 | $250K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 291 | $250K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 359 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.