| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JERRY A OYER3 | 1111 HUNT CLUB DRIVE WOOSTER, OH 44691 | AETNA | $38K | — | $38K | 10.23% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FINANCIAL | DBA BENEFITMALL.COM OHIO DALLAS, TX 75244 | AETNA | $18K | — | $18K | 4.79% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY INSURANCE GROUP LTD | 1645 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | AETNA | $7K | — | $7K | 1.97% |
| JERRY A OYER3 Filed as: JERRY OYER | 1111 HUNT CLUB DRIVE WOOSTER, OH 44691 | VISION SERVICE PLAN | $608 | — | $608 | 6.43% |
| THE ASHLEY GROUP3 | 1645 INDIAN WOOD CIRCLE SUITE 203 MAUMEE, OH 43537 | VISION SERVICE PLAN | $115 | — | $115 | 1.22% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 116 | $376K |
| Dental | AETNA | 116 | $376K |
| Vision | VISION SERVICE PLAN | 78 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.