| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A BURRESS3 Filed as: JAMES A. BURRESS | 6418 FAYBOROUGH COURT DUBLIN, OH 43016 | AFLAC | $9K | $381 | $9K | 9.86% |
| MELODY ANN WRENN3 | 145 RED WILLOW RAOD STATE COLLEGE, PA 16801 | AFLAC | $4K | $177 | $4K | 4.21% |
| ADRIENNE ALICE MENCHACA HOLBROOK3 | 413 LILYFIELD LANE GALLOWAY, OH 43116 | AFLAC | $4K | $336 | $4K | 4.18% |
| BERNADETTE PAVLICK AND OTHER AGENTS3 | 681 NORTH JAMES ROAD COLUMBUS, OH 43219 | AFLAC | $3K | $385 | $3K | 3.29% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET, SUITE 1100 COLUMBUS, OH 43215 | AFLAC | $1K | $0 | $1K | 1.09% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOCIATES, LLC | 6324 TARTON FIELDS LANE MASON, OH 45040 | AFLAC | $752 | $0 | $752 | 0.81% |
| KIMBERLY NIETO3 | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | AFLAC | $538 | $124 | $662 | 0.71% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, SUITE 2400 CINCINNATI, OH 45202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 145 | $38K |
| Short-term disability | AFLAC | 103 | $93K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 145 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.