| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM ST. 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL | $37K | $17K | $54K | 4.61% |
| USI INSURANCE SERVICES LLC3 | 222 S RIVERSIDE PLAZA STE 63 CHICAGO, IL 60606 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 5.10% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST. STE 2400 CINCINNATI, OH 45202 | AFLAC | $3K | — | $3K | 6.28% |
| KRISTOFER RUBLE3 Filed as: KRISTOFER P RUBLE | 3769 PROSPECT RD NEW LONDON, OH 44851 | AFLAC | $1K | $539 | $2K | 3.93% |
| MORGAN LOEWEN3 | 2940 SAINT ANDREWS DR FINDLAY, OH 45840 | AFLAC | $1K | — | $1K | 2.84% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | AFLAC | $705 | — | $705 | 1.73% |
| CHAD A POLLOCK3 | 6506 ANTHONY DR MAUMEE, OH 43537 | AFLAC | $284 | $173 | $457 | 1.12% |
| ANDREW J LOEWEN3 | 2940 SAINT ANDREWS DR FINDLAY, OH 45840 | AFLAC | $283 | $173 | $456 | 1.12% |
| AARON ANSPACH LLC3 | 209 N MAIN ST STE 8 LIMA, OH 45801 | AFLAC | $388 | — | $388 | 0.95% |
| ANTHONY JOSEPH MOTTER3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $62 | — | $62 | 0.15% |
| ADM BENEFIT PLANS AGENCY, INC.3 Filed as: ADM BENEFIT PLANS AGENCY INC | PO BOX 624 BUCYRUS, OH 44820 | AFLAC | $57 | — | $57 | 0.14% |
| DAWN RATLIFF3 | 7610 DONNENWIRTH RD NEW WASHINGTON, OH 44854 | AFLAC | $52 | — | $52 | 0.13% |
| GARY J SUEVER3 | PO BOX 225 DELPHOS, OH 45833 | AFLAC | $46 | — | $46 | 0.11% |
| VICKY HEISERMAN3 Filed as: VICKY J HEISERMAN | 320 N UNION ST FOSTORIA, OH 44830 | AFLAC | $46 | — | $46 | 0.11% |
| TINA M THOMPSON DENNIS3 | 1218 WONDERLICK RD LIMA, OH 45805 | AFLAC | $22 | — | $22 | 0.05% |
| WILLIAM HERDER3 Filed as: WILLIAM A HERDER | 3519 BAKERS LN LUCAS, OH 44843 | AFLAC | $21 | — | $21 | 0.05% |
| MARK A TOPOLSKI3 | 5045 SAN LUIS REY DR SYLVANIA, OH 43560 | AFLAC | $18 | — | $18 | 0.04% |
| HERBERT P SHNIDER3 | 6192 MCNAUGHTEN GROVE LN COLUMBUS, OH 43213 | AFLAC | $17 | — | $17 | 0.04% |
| EDWARD D SOMMER3 | 300 W WILSON BRIDGE RD STE 300 WORTHINGTON, OH 43085 | AFLAC | $15 | — | $15 | 0.04% |
| JACK A SHADE3 | 690 TREE BEND CT WESTERVILLE, OH 43082 | AFLAC | $13 | — | $13 | 0.03% |
| DANIEL L JONES3 | 201 N MAIN ST DELPHOS, OH 45833 | AFLAC | $13 | — | $13 | 0.03% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $11 | — | $11 | 0.03% |
| NICOLE STARKEY3 | 1102 ELEANOR AVE TOLEDO, OH 43612 | AFLAC | $10 | — | $10 | 0.02% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $5 | — | $5 | 0.01% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $3 | — | $3 | 0.01% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN C RASCHELLA3 Filed as: JOHN C RASHELLA | 20301 GRD OAK SH BLVD #118-32 ESTERO, FL 33928 | AFLAC | $2 | — | $2 | 0.00% |
| IAN B BRANYON3 | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | AFLAC | $1 | — | $1 | 0.00% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL J QUINN3 | 8580 MAJORCA LN NAPLES, FL 34114 | AFLAC | $1 | — | $1 | 0.00% |
| KANDACE M MCCARTHY3 | PO BOX 1047 304 CANTERFIELD PKWY W WEST DUNDEE, IL 60118 | AFLAC | $1 | — | $1 | 0.00% |
| USI INSURANCE SERVICES LLC5 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.42% |
| USI INSURANCE SERVICES LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.89% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 154 | $1.2M |
| Dental | HUMANA INSURANCE COMPANY | 161 | $56K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 218 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $21K |
| Prescription drug | MEDICAL MUTUAL | 154 | $1.2M |
| Other(2 contracts, 2 carriers) | AFLAC | 239 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.