| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE JAY BAKER3 | 2734 CHANCELLOR DRIVE CRESTVIEW HILLS, KY 41017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49K | — | $49K | 9.30% |
| DONNA L BEYLAND3 Filed as: DONNA L. BEYLAND | 519 WINDSOR PARK DRIVE CENTERVILLE, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37K | $2K | $39K | 7.30% |
| BEYLAND CONSULTANTS INC3 Filed as: BEYLAND CONSULTANTS, INC. | 519 WINDSOR PARK DRIVE CENTERVILLE, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $7K | $13K | 2.39% |
| MELISSA S BEYLAND3 Filed as: MELISSA S. BEYLAND | 8811 YANKEE COVE COURT CENTERVILLE, OH 45458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $190 | $10K | 1.90% |
| PATRICIA G SPIES3 Filed as: PATRICIA G. SPIES | 600 SOUTH MARSHALL ROAD MIDDLETOWN, OH 45044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $236 | $10K | 1.86% |
| BRENDA K COX3 Filed as: BRENDA K. COX | 3604 N GRAND AVENUE CONNERSVILLE, IN 47331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 1.84% |
| JOSEPH MCDONALD3 | 12052 PEPPERMILL LANE NW PICKERINGTON, OH 43147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $786 | $7K | 1.23% |
| JUSTIN J MCDONALD3 Filed as: JUSTIN MCDONALD | 12052 PEPPERMILL LANE PICKERINGTON, OH 43147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $688 | $6K | 1.21% |
| ROEDING GROUP COMPANIES3 | PO BOX 17900 CRESTVIEW HILLS, KY 41017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 1.00% |
| HARRIET M. ARGUE3 | 800 BANBURY ROAD DAYTON, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.51% |
| RACHEL SUZANNE WILLOUGHBY3 | 3407 PALATAS PLACE DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | — | $314 | 0.06% |
| PHILLIP EDWARD HOLSTEIN3 | 5976 PENNINGTON CREEK DRIVE DUBLIN, OH 43016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $59 | $105 | 0.02% |
| ADVANCED BENEFIT SYSTEM INC3 | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $51 | $82 | 0.02% |
| JOHN TALBERT WINDHAM3 | 729 WINDHAM TOWN RD LAMAR, SC 29069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $16 | $63 | 0.01% |
| DAVID TIMOTHY WINDHAM3 | 219 WEST MAIN LAMAR, SC 29069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $2 | $49 | 0.01% |
| KAY JILL, INC.3 | 32303 ACACIA COURT AVON LAKE, OH 44012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.01% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.00% |
| STEVEN M MAMICK3 Filed as: STEVEN M. MAMICK | 1127 FIRESIDE TRAIL BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| BEYLAND CONSULTANTS INC3 Filed as: BEYLAND CONSULTANTS, INC. | 519 WINDSOR PARK DRIVE CENTERVILLE, OH 45459 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 9.97% |
| RICHARD BEYLAND3 | 7961 WASHINGTON WOODS DRIVE CENTERVILLE, OH 45459 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.99% |
| BRUCE JAY BAKER3 Filed as: BRUCE BAKER | 2734 CHANCELLOR DRIVE, SUITE 301 CRESTVIEW HILL, KY 410173443 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.78% |
| CBISA REACQUISITION CORP3 | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $183 | $183 | 1.15% |
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 | 791 | 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) | 791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 702 | $56K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 577 | $564K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 577 | $529K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $16K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 577 | $564K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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.