| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADRIENNE ALICE MENCHACA HOLBROOK3 | 413 LILYFIELD LANE GALLOWAY, OH 43119 | AFLAC | $2K | $330 | $2K | 4.66% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: CHRISTOPHER ALLEN NEECE AND AGENTS | 8591 NORTH SPRING COURTY PICKERINGTON, OH 43147 | AFLAC | $2K | $70 | $2K | 3.08% |
| JAMES A BURRESS3 Filed as: JAMES A. BURRESS | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $1K | $26 | $1K | 2.01% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET, SUITE 1100 COLUNBUS, OH 43215 | AFLAC | $860 | $0 | $860 | 1.66% |
| MELODY ANN WRENN3 | 170 MOUNTAIN LAUREL DRIVE STATE COLLEGE, PA 16801 | AFLAC | $493 | $0 | $493 | 0.95% |
| BERNADETTE PAVLICK3 | 681 NORTH JAMES ROAD COLUMBUS, OH 43219 | AFLAC | $285 | $0 | $285 | 0.55% |
| CAMERON CARRILLO3 Filed as: CAMERON D. CARRILLO | 61503 ORION DRIVE BEND, OR 97702 | AFLAC | $192 | $60 | $252 | 0.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY | $311 | $6 | $317 | 2.26% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY INSURANCE COMPANY | 184 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $24K |
| Short-term disability | AFLAC | 49 | $52K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.