| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3070 RIVERSIDE DRIVE, SUITE 105 COLUMBUS, OH 43221 | ONEAMERICA FINANCIAL PARTNERS, INC. | $10K | $2K | $12K | 12.27% |
| USI INSURANCE SERVICES LLC3 | 213 SOUTH JEFFERSON STREET SW ROANOKE, WA 24011 | ANTHEM LIFE INSURANCE COMPANY | $0 | $584 | $584 | 3.07% |
| MICKLEY CONSULTING LLC3 Filed as: MICKLEY CONSULTING, LLC | 1103 SCHROCK ROAD, SUITE 201 COLUMBUS, OH 43229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $330 | $0 | $330 | 3.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1300 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $305 | $0 | $305 | 3.40% |
| MICKLEY CONSULTING LLC3 Filed as: MICKLEY CONSULTING AND OTHER AGENTS | 445 HUTCHINS AVENUE, SUITE 820 COLUMBUS, OH 43235 | CONTINENTAL AMERICAN INSURANCE COMPANY | $258 | $0 | $258 | 2.88% |
| MELISSA A. MICKLEY3 Filed as: MELISSA A. MCIKLEY | 3390 BURNT POND ROAD OSTRANDER, OH 43061 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | 0.87% |
| AMBER D STEIN3 Filed as: AMBER D. STEIN | 2740 AIRPORT DRIVE, SUITE 170 COLUMBUS, OH 43219 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | $0 | $60 | 0.67% |
| JOHNNY HENSLEY JR3 Filed as: JOHNNY HENSLEY, JR. | 975 SAUTTER DRIVE MANSFIELD, OH 44904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 0.50% |
| KRIS D SHADE3 Filed as: KRIS SHADE | UNKNOWN GROVE CITY, OH 43123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 0.48% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 118 | $14K |
| Life insurance(2 contracts, 2 carriers) | ONEAMERICA FINANCIAL PARTNERS, INC. | 179 | $117K |
| Short-term disability | ONEAMERICA FINANCIAL PARTNERS, INC. | 179 | $98K |
| Long-term disability | ONEAMERICA FINANCIAL PARTNERS, INC. | 179 | $98K |
| Other(3 contracts, 3 carriers) | ONEAMERICA FINANCIAL PARTNERS, INC. | 179 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.