| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $914 | $6K | 11.59% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $959 | $444 | $1K | 2.72% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $380 | $0 | $380 | 0.74% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 300 NORTH BEACH STREET DAYTONA, FL 32114 | DELTA DENTAL OF OHIO | $3K | $0 | $3K | 6.52% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 736061 CHICAGO, IL 60673 | DELTA DENTAL OF OHIO | $675 | $0 | $675 | 1.53% |
| UNKNOWN3 | UNKNOWN VAN WERT, OH 45891 | DELTA DENTAL OF OHIO | $478 | $0 | $478 | 1.08% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 818078 CLEVELAND, OH 44181 | DELTA DENTAL OF OHIO | $338 | $0 | $338 | 0.77% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | VISION SERVICE PLAN | $783 | $0 | $783 | 7.15% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | VISION SERVICE PLAN | $686 | $0 | $686 | 6.26% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 5520 MONROE STREET, SUITE A SYLVANIA, OH 43560 | VISION SERVICE PLAN | $359 | $0 | $359 | 3.28% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 175 | $44K |
| Vision | VISION SERVICE PLAN | 73 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $51K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $51K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.