| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 580 NORTH 4TH STREET, SUITE 400 COLUMBUS, OH 43215 | ONEAMERICA FINANCIAL PARTNERS, INC. | $11K | $10K | $21K | 19.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203417 DALLAS, TX 75320 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.00% |
| 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 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $305 | $0 | $305 | 3.40% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC. AND OTHER AGENTS | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | $0 | $261 | 2.91% |
| MELISSA A. MICKLEY3 | 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% |
| KRIS D SHADE3 Filed as: KRIS SHADE | 690 TREE BEND COURT WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 0.48% |
| MICKLEY CONSULTING LLC3 Filed as: MICKLEY CONSULTING, LLC | 445 HUTCHINSON AVENUE, SUITE 820 COLUMBUS, OH 43235 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | $0 | $42 | 0.47% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 122 | $16K |
| Life insurance(2 contracts, 2 carriers) | ONEAMERICA FINANCIAL PARTNERS, INC. | 175 | $123K |
| Short-term disability | ONEAMERICA FINANCIAL PARTNERS, INC. | 175 | $105K |
| Long-term disability | ONEAMERICA FINANCIAL PARTNERS, INC. | 175 | $105K |
| Other(3 contracts, 3 carriers) | ONEAMERICA FINANCIAL PARTNERS, INC. | 175 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.