| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | UNKNOWN GROVE CITY, OH 43123 | ONE AMERICA | $9K | $0 | $9K | 10.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203417 DALLAS, TX 75320 | ANTHEM LIFE INSURANCE COMPANY | $0 | $645 | $645 | 3.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203417 DALLAS, TX 75320 | VISION SERVICE PLAN | $33K | $0 | $33K | 235.16% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE AND OTHERS | 580 NORTH 4TH STREET SUITE 400 COLUMBUS, OH 43215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | $0 | $205 | 2.71% |
| MELISSA A. MICKLEY3 Filed as: MELISSA A MICKLEY | 1103 SCHROCK ROAD SUITE 201 COLUMBUS, OH 43229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | $0 | $136 | 1.80% |
| MICKLEY CONSULTING LLC3 Filed as: MICKLEY CONSULTING, LLC | 1103 SCHROCK ROAD SUITE 201 COLUMBUS, OH 43229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | $0 | $85 | 1.12% |
| MICKLEY CONSULTING LLC3 Filed as: MICKLEY CONSULTING, LLC | 445 HUTCHINSON AVENUE SUITE 820 COLUMBUS, OH 43235 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | $0 | $67 | 0.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 301 SOUTH COLLEGE STREET 19TH FLOOR CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 0.77% |
| HARE AND ASSOCIATES LLC3 | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | $0 | $56 | 0.74% |
| MARKUS MUELLER3 | 633 NE MUSKRAT RUN PORT ST LUCIE, FL 34983 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | $0 | $44 | 0.58% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 0 | $14K |
| Life insurance(2 contracts, 2 carriers) | ONE AMERICA | 186 | $106K |
| Short-term disability | ONE AMERICA | 186 | $86K |
| Long-term disability | ONE AMERICA | 186 | $86K |
| Other(3 contracts, 3 carriers) | ONE AMERICA | 186 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.