| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE JAY BAKER3 | 2734 CHANCELLOR DRIVE CRESTVIEW HILLS, KY 41017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38K | — | $38K | 6.56% |
| DONNA L BEYLAND3 Filed as: DONNA L. BEYLAND | 519 WINDSOR PARK DRIVE DAYTON, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31K | $2K | $32K | 5.54% |
| BEYLAND CONSULTANTS INC3 Filed as: BEYLAND CONSULTANTS, INC. | 519 WINDSOR PARK DRIVE DAYTON, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $6K | $14K | 2.40% |
| PATRICIA G SPIES3 Filed as: PATRICIA G. SPIES | 600 SOUTH MARSHALL ROAD MIDDLETOWN, OH 45044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $698 | $11K | 1.82% |
| BRENDA K COX3 Filed as: BRENDA K. COX | 3604 N GRAND AVENUE CONNERSVILLE, IN 47331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $150 | $9K | 1.58% |
| ROEDING GROUP COMPANIES3 | PO BOX 17900 CRESTVIEW HILLS, KY 41017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.58% |
| HARRIET M. ARGUE3 | 800 BANBURY ROAD DAYTON, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.39% |
| MELISSA S BEYLAND3 Filed as: MELISSA S. BEYLAND | 8811 YANKEE COVE COURT CENTERVILLE, OH 45458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.29% |
| BRYAN RICHARD BEYLAND3 | 8811 YANKEE COVE COURT CENTERVILLE, OH 45458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.18% |
| JUSTIN J MCDONALD3 Filed as: JUSTIN MCDONALD | 12052 PEPPERMILL LANE PICKERINGTON, OH 43147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $934 | $78 | $1K | 0.17% |
| JOSEPH MCDONALD3 | 12052 PEPPERMILL LANE NW PICKERINGTON, OH 43147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $824 | $26 | $850 | 0.15% |
| KAY JILL, INC.3 | 32303 ACACIA COURT AVON LAKE, OH 44012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.01% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.00% |
| STEVEN M MAMICK3 Filed as: STEVEN M. MAMICK | 1127 FIRESIDE TRAIL BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| BEYLAND CONSULTANTS INC3 Filed as: BEYLAND CONSULTANTS, INC. | 519 WINDSOR PARK DRIVE DAYTON, OH 45459 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 9.65% |
| BRUCE JAY BAKER3 | PO BOX 17900 CRESTVIEW HILLS, KY 41017 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 3.39% |
| ROEDING GROUP COMPANIES3 | P.O. BOX 17900 CRESTVIEW HILLS, KY 41017 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $671 | — | $671 | 1.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE | PO BOX 62889 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $160 | — | $160 | 0.28% |
| RICHARD BEYLAND3 | 7961 WASHINGTON WOODS DRIVE CENTERVILLE, OH 45459 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.61% |
| BRUCE JAY BAKER3 | 2734 CHANCELLOR DRIVE SUITE 301 CRESTVIEW HILLS, KY 41017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $734 | — | $734 | 2.43% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $62 | $62 | 0.21% |
| BRUCE JAY BAKER3 | 2734 CHANCELLOR DRIVE, SUITE 301 CRESTVIEW HILLS, KY 410173443 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.64% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $214 | $214 | 1.27% |
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 | 885 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 788 | $58K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 579 | $616K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 579 | $586K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $17K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 579 | $616K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 788 | — |
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.