| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER BINKLEY3 | 5655 SUMMER BLVD GALENDA, OH 43021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY | 3931 S DIXIE DR DAYTON, OH 45439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.71% |
| AMANDA J HUGGINS3 | 5204 WOLF RUN DR COLUMBUS, OH 43230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $733 | $0 | $733 | 0.51% |
| ANDREW J LOEWEN3 | 321 W HOBART AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $511 | $0 | $511 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY | 3931 S DIXIE DR MORAINE, OH 45439 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 13.07% |
| THE CASON GROUP INC3 Filed as: CASON GROUP, INC | 1612 MARION ST COLUMBIA, SC 29201 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INSURANCE MARSH & MCLENNAN | 309 WEBSTER ST DAYTON, OH 45402 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.94% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W ERIE STE 300 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $656 | $656 | 1.49% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 116 | $44K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 116 | $44K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 116 | $44K |
| Stop-loss / reinsurancereinsurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 41 | $145K |
| 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.