| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESS LINK INC | 4200 ROCKSIDE ROAD SUITE 300 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL OF OHIO | $30K | $17K | $47K | 2.02% |
| ASHLEY INSURANCE GROUP3 | 1645 INDIAN WOOD CIRCLE SUITE 203 MAUMEE, OH 43547 | MEDICAL MUTUAL OF OHIO | $21K | $14K | $35K | 1.50% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY INSURANCE GROUP LTD | 165 JACKSON STREET SANDUSKY, OH 44870 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $4K | $13K | 5.31% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.15% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY INSURANCE GROUP- LTD | 165 JACKSON STREET SANDUSKY, OH 44870 | COMMUNITY INSURANCE COMPANY | $4K | — | $4K | 232.12% |
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 | 349 | 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) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 268 | $2.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 358 | $238K |
| Vision(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 268 | $2.3M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 358 | $238K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 358 | $238K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 268 | $2.3M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 358 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.