| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 5455 RINGS ROAD, SUITE 250 DUBLIN, OH 43017 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | $3K | $13K | 10.50% |
| ASD INSURANCE AND FINANCIAL SERVICE3 Filed as: ASD INSURANCE & FINANCIAL SERVICES | UNKNOWN GROVE CITY, OH 43123 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $8K | — | $8K | 9.89% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $495 | $4K | 21.61% |
| MICKLEY CONSULTING LLC3 Filed as: MICKLEY CONSULTING, LLC | 400 WEST WILSON BRIDGE ROAD SUITE 200 WORTHINGTON, OH 43085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $257 | $0 | $257 | 3.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | $0 | $124 | 1.86% |
| ADRIENNE HOLBROOK3 Filed as: ADRIENNE HOLBROOK & OTHER AGENTS | 413 LILYFIELD LANE GALLOWAY, OH 43119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | $0 | $100 | 1.50% |
| AMANDA J HUGGINS3 Filed as: AMANDA J. HUGGINS | 5204 WOLF RUN DRIVE COLUMBUS, OH 43230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | $0 | $65 | 0.98% |
| MICKLEY CONSULTING LLC3 Filed as: MICKLEY CONSULTING, LLC | 445 HUTCHINSON AVENUE, SUITE 820 COLUMBUS, OH 43235 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.42% |
| MICKLEY CONSULTING LLC3 Filed as: MICKLEY CONSULTING, LLC | 1103 SCHROCK ROAD, SUITE 201 COLUMBUS, OH 43229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.39% |
| ANDREW J LOEWEN3 Filed as: ANDREW J. LOEWEN | 321 WEST HOBART AVENUE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.39% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 700 | $84K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 151 | $149K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 150 | $123K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 150 | $123K |
| Other(5 contracts, 5 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 151 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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.