| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | — | PARAMOUNT HEALTHCARE | $30K | — | $30K | 2.85% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 20.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 3912 SUNFOREST COURT TOLEDO, OH 43623 | AFLAC | $3K | — | $3K | 6.67% |
| COREY KING3 | 1110 HEIDELBERG ROAD TOLEDO, OH 43615 | AFLAC | $414 | — | $414 | 1.04% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY MOTTER | 134 W. SOUTH BOUNDARY STREET SUITE A PERRYSBURG, OH 43551 | AFLAC | $238 | — | $238 | 0.60% |
| KRISTOFER RUBLE3 | 3769 PROSPECT ROAD NEW LONDON, OH 44851 | AFLAC | $201 | — | $201 | 0.50% |
| MELANIE KING3 | 1110 HEIDELBERG ROAD TOLEDO, OH 43615 | AFLAC | $185 | — | $185 | 0.46% |
| CHAD L NELSON3 Filed as: CHAD POLLOCK | 6506 ANTHONY DRIVE MAUMEE, OH 43537 | AFLAC | $148 | — | $148 | 0.37% |
| JAMES LOCKWOOD3 | 134 W. SOUTH BOUNDARY STREET SUITE A PERRYSBURG, OH 43551 | AFLAC | $103 | — | $103 | 0.26% |
| AMY HILT3 | 1535 COUNTY ROAD 14 GIBSONBURG, OH 43431 | AFLAC | $66 | — | $66 | 0.17% |
| THOMAS J HOUSER3 Filed as: THOMAS HOUSER | 25144 ROCKY HARBOUR DRIVE PERRYSBURG, OH 43551 | AFLAC | $26 | $32 | $58 | 0.15% |
| TJH CONSULTANTS LLC3 Filed as: TJH CONSULTANTS, LLC | 25144 ROCKY HARBOUR DRIVE PERRYSBURG, OH 43551 | AFLAC | $12 | $32 | $44 | 0.11% |
| DAVID N MULLINS JR3 Filed as: DAVID MULLIINS, JR. | 7840 LINWOOD ROAD BOWLING GREEN, OH 43402 | AFLAC | $19 | — | $19 | 0.05% |
| MELISSA R TRENTMAN3 Filed as: MELISSA TRENTMAN | 9472 STATE ROUTE 66 DELPHOS, OH 45833 | AFLAC | $12 | — | $12 | 0.03% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH | 21397 LEHMAN ROAD DELPHOS, OH 45833 | AFLAC | $11 | — | $11 | 0.03% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PARAMOUNT HEALTHCARE | 200 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $70K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $70K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $70K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $70K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $70K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.