| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAMINSKY & ASSOCIATES, INC.3 Filed as: KAMINSKY & ASSOCIATES | 2340 DETROIT AVE MAUMEE, OH 43537 | MEDICAL MUTUAL | $32K | $7 | $32K | 2.22% |
| KAMINSKY & ASSOCIATES, INC.3 Filed as: KAMINSKY & ASSOCIATES | 2340 DETROIT AVE MAUMEE, OH 43537 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 4.56% |
| KAMINSKY & ASSOCIATES, INC.3 Filed as: KAMINSKY & ASSOCIATES | 2340 DETROIT AVE MAUMEE, OH 43537 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 9.47% |
| KAMINSKY & ASSOCIATES, INC.3 Filed as: KAMINSKY & ASSOCIATES | 2340 DETROIT AVE MAUMEE, OH 43537 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 9.91% |
| KAMINSKY & ASSOCIATES, INC.3 Filed as: KAMINSKY & ASSOCIATES | 2340 DETROIT AVE MAUMEE, OH 43537 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 14.32% |
| KAMINSKY & ASSOCIATES, INC.3 Filed as: KAMINSKY & ASSOCIATES | 2340 DETROIT AVE MAUMEE, OH 43537 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.50% |
| KAMINSKY & ASSOCIATES, INC.3 Filed as: KAMINSKY & ASSOCIATES | 2340 DETROIT AVE MAUMEE, OH 43537 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| KAMINSKY & ASSOCIATES, INC.3 Filed as: KAMINSKY & ASSOCIATES | 2340 DETROIT AVE MAUMEE, OH 43537 | STANDARD INSURANCE COMPANY | $807 | $0 | $807 | 5.92% |
| KAMINSKY & ASSOCIATES, INC.3 Filed as: KAMINSKY & ASSOCIATES | 2340 DETROIT AVE MAUMEE, OH 43537 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| KAMINSKY & ASSOCIATES, INC.3 Filed as: KAMINSKY & ASSOCIATES | 2340 DETROIT AVE MAUMEE, OH 43537 | PRAM INSURANCE SERVICES, INC. | $175 | $0 | $175 | 10.02% |
| PRAM3 | 1 POINTE DRIVE SUITE 120 BREA, CA 92821 | PRAM INSURANCE SERVICES, INC. | $52 | $0 | $52 | 2.98% |
| DEVINE-HIGAMN LLC3 | 5250 HIGHWAY 78 STE 750-234 SACHSE, TX 75048 | PRAM INSURANCE SERVICES, INC. | $35 | $0 | $35 | 2.00% |
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 | 367 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | MEDICAL MUTUAL | 204 | $1.5M |
| Dental | STANDARD INSURANCE COMPANY | 168 | $68K |
| Vision | STANDARD INSURANCE COMPANY | 153 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 367 | $56K |
| Short-term disability | STANDARD INSURANCE COMPANY | 169 | $48K |
| Long-term disability | STANDARD INSURANCE COMPANY | 124 | $38K |
| Prescription drug(5 contracts, 3 carriers) | MEDICAL MUTUAL | 204 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
No prospect flags tripped on this filing.