| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FIN. SVCS., INC. | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $4K | $4K | $9K | 7.01% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | PO BOX 3430 CARMEL, IN 46082 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 0.86% |
| BK INS. AND FINANCIAL SERVICES, INC3 | 124 EAST SPRUCE AVENUE RAVENNA, OH 44266 | STANDARD INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BROKERNET INC3 Filed as: BROKERNET, INC. | 110 NORTHWOODS BOULEVARD, SUITE C COLUMBUS, OH 43235 | STANDARD INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| DAVID LOGE3 | 130 WEST WASHINGTON STREET NELSONVILLE, OH 45764 | STANDARD INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| DEANNA WELLS3 | 4450 BELDEN VILLAGE STREET NW 602 CANTON, OH 44718 | STANDARD INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 588 | $2.8M |
| Dental | BLUE CROSS OF CALIFORNIA | 588 | $2.7M |
| Vision | VISION SERVICE PLAN | 181 | $34K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 194 | $125K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 194 | $125K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 194 | $125K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 588 | $2.8M |
| Other(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 588 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.