| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE ONE BENEFITS3 Filed as: CORPORATE ONE BENEFIT AGENCY, INC. | 220 PERRY STREET FOSTORIA, OH 44830 | DELTA DENTAL OF OHIO | $4K | — | $4K | 0.84% |
| CLARITY BENEFIT CONSULTING LLC3 | 1120 SANCTUARY PKWY, STE 375 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 3.95% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $944 | $9K | 3.37% |
| CORPORATE ONE BENEFITS3 Filed as: CORPORATE ONE BENEFIT AGENCY, INC. | 220 PERRY STREET FOSTORIA, OH 44830 | DELTA DENTAL OF OHIO | $803 | — | $803 | 0.84% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | MINNESOTA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.01% |
| USI INSURANCE SERVICES LLC3 | — | MINNESOTA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.84% |
| BROOKS INSURANCE AGENCY3 Filed as: BROOKS INSURANCE AGENCY INC | ATTN KIM TEOW 1120 MADISON AVENUE TOLEDO, OH 43604 | MINNESOTA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.16% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GRP LLC | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $599 | $599 | 0.66% |
| CORPORATE ONE BENEFITS3 Filed as: CORPORATE ONE BENEFIT AGENCY, INC. | 220 PERRY STREET FOSTORIA, OH 44830 | DELTA DENTAL OF OHIO | $38 | — | $38 | 0.81% |
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 | 830 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PARAMOUNT CARE OF MICHIGAN | 1,445 | $385K |
| Dental(3 contracts) | DELTA DENTAL OF OHIO | 1,312 | $569K |
| Vision(2 contracts, 2 carriers) | PARAMOUNT CARE OF MICHIGAN | 1,445 | $453K |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 1,432 | $90K |
| Short-term disability(3 contracts, 2 carriers) | PARAMOUNT CARE OF MICHIGAN | 1,445 | $734K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $271K |
| Prescription drug | PARAMOUNT CARE OF MICHIGAN | 1,445 | $385K |
| Other | MINNESOTA LIFE INSURANCE COMPANY | 1,432 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,445 | — |
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.