| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 WEST BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | MEDICAL MUTUAL OF OHIO | $29K | $8K | $37K | 3.62% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY AGENCY LLC | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | MEDICAL MUTUAL OF OHIO | $12K | — | $12K | 1.14% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $635 | $12K | 11.09% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY AGENCY LLC | ONE SEAGATE, SUITE 2050 TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.52% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET, 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $619 | $11K | 11.11% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY AGENCY LLC | ONE SEAGATE, SUITE 2050 TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.51% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 S. CHURCH ST BOWLING GREEN, OH 43402 | DELTA DENTAL OF OHIO | $4K | $298 | $4K | 4.30% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES, LLC | 1 SEAGATE TOLEDO, OH 43604 | DELTA DENTAL OF OHIO | $692 | — | $692 | 0.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF OHIO | -$219 | — | -$219 | -0.25% |
| FINDLEY DAVIES AGENCY, LLC3 | ONE SEAGATE, SUITE 2050 TOLEDO, OH 43604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $202 | $15 | $217 | 11.46% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY AGENCY LLC | ONE SEAGATE, SUITE 2050 TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $82 | — | $82 | 4.33% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 WEST BROAD STREET, 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7 | $0 | $7 | 11.48% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY AGENCY LLC | ONE SEAGATE, SUITE 2050 TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 3.28% |
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 | 428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 148 | $1.0M |
| Dental | DELTA DENTAL OF OHIO | 239 | $88K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 100 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 428 | $105K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 428 | $100K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 428 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.