| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY LLC | 655 FOX RUN ROAD SUITE A FINDLAY, OH 45840 | WESTPORT INSURANCE CORPORATION | $17K | — | $17K | 18.92% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY LLC | 655 FOX RUN ROAD, SUITE A FINDLAY, OH 45840 | THE GUARDIAN LIFE INSURANCE COMPANY | $4K | $4K | $8K | 12.73% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY LLC | 655 FOX RUN ROAD SUITE A FINDLAY, OH 45840 | AETNA LIFE INSURANCE COMPANY | $737 | — | $737 | 17.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS INC. EIN 36-3086057 NONE | Contract Administrator Service code 13 | — | $29K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 NONE | Other services Service code 49 | — | $8K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing Service code 12 | — | $5K |
| BENEFIT STRATEGIES AGENCY LLC EIN 46-3577170 NONE | Insurance agents and brokers Service code 22 | — | $5K |
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 | 93 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 93 | $61K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 93 | $61K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | WESTPORT INSURANCE CORPORATION | 78 | $96K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 93 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.