| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $15K | $0 | $15K | 9.96% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN, 2ND FLOOR DAYTON, OH 45342 | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $726 | $0 | $726 | 5.81% |
| MICKLEY CONSULTING LLC3 Filed as: MICKLEY CONSULTING, LLC | 400 WEST WILSON BRIDGE ROAD SUITE 200 WORTHINGTON, OH 43085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $574 | $0 | $574 | 4.59% |
| MELISSA A. MICKLEY3 Filed as: MELISSA A. MICKLEY AND OTHER AGENTS | 3390 BURNT POND ROAD OSTRANDER, OH 43061 | CONTINENTAL AMERICAN INSURANCE COMPANY | $517 | $0 | $517 | 4.14% |
| RONALD L HUGGINS JR3 Filed as: RONALD L. HUGGINS, JR. | 5204 WOLF RUN DRIVE COLUMBUS, OH 43230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | $0 | $134 | 1.07% |
| ADRIENNE HOLBROOK3 | 413 LILYFIELD LANE GALLOWAY, OH 43119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | $0 | $133 | 1.06% |
| MICKLEY CONSULTING LLC3 Filed as: MICKLEY CONSULTING, LLC | 1103 SCHROCK ROAD, SUITE 201 COLUMBUS, OH 43229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | $0 | $126 | 1.01% |
| CAMERON CARRILLO3 | 5801 WESTCHESTER COURT WORTHINGTON, OH 43085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | $0 | $93 | 0.74% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 953 | $146K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 150 | $116K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 150 | $99K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 150 | $99K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 150 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 953 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.