| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROOKS INSURANCE AGENCY3 Filed as: BROOKS INSURANCE AGENCY, INC. | 1120 MADISON AVE. TOLEDO, OH 43624 | DELTA DENTAL PLAN OF MICHIGAN | $7K | — | $7K | 3.30% |
| USI INSURANCE SERVICES LLC1 | 312 ELM STREET CINCINNATI, OH 48502 | DELTA DENTAL PLAN OF MICHIGAN | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVE. TOLEDO, OH 43604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $780 | — | $780 | 9.23% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVE. TOLEDO, OH 43604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 3.56% |
| BROOKS INSURANCE AGENCY3 Filed as: BROOKS INSURANCE AGENCY, INC. | 1120 MADISON AVE. TOLEDO, OH 43624 | MEDICAL MUTUAL OF OHIO | — | — | $0 | — |
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 | 371 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 371 | $0 |
| Dental | DELTA DENTAL PLAN OF MICHIGAN | 880 | $208K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 9 | $8K |
| Long-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1 | $927 |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 371 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 880 | — |
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."
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.