| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVAGE & ASSOCIATES INC Filed as: SAVAGE AND ASSOCIATES INC | 4427 TALMADGE RD TOLEDO, OH 43623 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $659 | $14K | 9.23% |
| ACCELERATED FINANCIAL PLANNING | 5880 VENTURE DR SUITE D DUBLIN, OH 43017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $469 | $10K | 6.38% |
| ACCELERATED FINANCIAL PLANNING | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $415 | $5K | 3.49% |
| SAVAGE & ASSOCIATES INC Filed as: SAVAGE AND ASSOCIATES INC | 4427 TALMADGE ROAD TOLEDO, OH 43623 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $565 | $5K | 3.35% |
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 | 386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $155K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $138K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.