| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | COMMUNITY INSURANCE COMPANY | $23K | $0 | $23K | 12.35% |
| ADRIENNE ALICE MENCHACA HOLBROOK3 | 413 LILYFIELD LANE GALLOWAY, OH 43119 | AFLAC | $7K | $581 | $7K | 9.98% |
| BERNADETTE PAVLICK AND OTHER AGENTS3 | 681 NORTH JAMES ROAD STATE COLLEGE, PA 16801 | AFLAC | $3K | $151 | $3K | 4.59% |
| JAMES A BURRESS3 Filed as: JAMES A. BURRESS | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $2K | $165 | $2K | 3.14% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 WEST BROAD STREET, SUITE 1100 COLUMBUS, OH 43215 | AFLAC | $903 | $0 | $903 | 1.23% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: CHRISTOPHER ALLEN NEECE | 8591 NORTH SPRING COURT PICKERINGTON, OH 43147 | AFLAC | $729 | $0 | $729 | 1.00% |
| MELODY ANN WRENN3 | 145 RED WILLOW ROAD STATE COLLEGE, PA 16801 | AFLAC | $582 | $0 | $582 | 0.79% |
| CAMERON CARRILLO3 Filed as: CAMERON D. CARRILLO | 5801 WESTCHESTER COURT WORTHINGTON, OH 43085 | AFLAC | $436 | $0 | $436 | 0.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $5K | 22.60% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY INSURANCE COMPANY | 196 | $185K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $24K |
| Short-term disability | AFLAC | 69 | $73K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.