| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | UNKNOWN, 2ND FLOOR DAYTON, OH 45342 | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $9K | $0 | $9K | 9.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $950 | $0 | $950 | 7.59% |
| MICKLEY CONSULTING LLC3 Filed as: MICKLEY CONSULTING, LLC | 400 WEST WILSON BRIDGE ROAD SUITE 200 WORTHINGTON, OH 43085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $772 | $0 | $772 | 6.17% |
| KRIS D SHADE3 Filed as: KRIS SHADE AND OTHER AGENTS | 690 TREE BEND COURT WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $366 | $0 | $366 | 2.93% |
| AMANDA J HUGGINS3 Filed as: AMANDA J. HUGGINS | 5204 WOLF RUN DRIVE COLUMBUS, OH 43230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $214 | $0 | $214 | 1.71% |
| ADRIENNE HOLBROOK3 | 413 LILYFIELD LANE GALLOWAY, OH 43119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | $0 | $202 | 1.61% |
| MICKLEY CONSULTING LLC3 Filed as: MICKLEY CONSULTING, LLC | 1103 SCHROCK ROAD, SUITE 201 COLUMBUS, OH 43229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 0.86% |
| MELISSA A. MICKLEY3 | 3390 BURNT POND ROAD OSTRANDER, OH 43061 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | $0 | $74 | 0.59% |
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 | 784 | $92K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 150 | $117K |
| 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 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 784 | — |
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.