| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | COMMUNITY INSURANCE COMPANY | $38K | $0 | $38K | 3.83% |
| ROBERT T. CONNOLLY3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | COMMUNITY INSURANCE COMPANY | $2K | $0 | $2K | 0.22% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | COMMUNITY INSURANCE COMPANY | $109 | $0 | $109 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF OHIO | $6K | $0 | $6K | 9.18% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $970 | $0 | $970 | 6.00% |
| MICKLEY CONSULTING LLC3 | 1103 SCHROCK ROAD, SUITE 201 COLUMBUS, OH 43229 | AFLAC | $521 | $275 | $796 | 5.75% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 121 NORTH MARKET STREET, SUITE 600 WOOSTER, OH 44691 | AFLAC | $790 | $0 | $790 | 5.71% |
| HENSLEY AND ASSOCIATES LLC3 | 1103 SCHROCK ROAD, SUITE 201 COLUMBUS, OH 43229 | AFLAC | $236 | $110 | $346 | 2.50% |
| MJ INSURANCE3 Filed as: PAULA FRIZZELL AND VARIOUS AGENTS | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $154 | $0 | $154 | 1.11% |
| JAMES A BURRESS3 Filed as: JAMES A. BURRESS | 6418 FAYBOROUGH COURT DUBLIN, OH 43016 | AFLAC | $115 | $0 | $115 | 0.83% |
| ROBERT P HARE3 Filed as: ROBERT P. HARE | 6324 TARTON FIELDS LANE MASON, OH 45040 | AFLAC | $39 | $0 | $39 | 0.28% |
| SCOTT A SMITH3 Filed as: SCOTT A. SMITH | 5300 OAKBROOK PARKWAY, SUITE 300 NORCROSS, GA 30093 | AFLAC | $24 | $0 | $24 | 0.17% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | SUN LIFE ASSURANCE COMPANY OF CANADA | $587 | $0 | $587 | 10.86% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 210 | $999K |
| Dental | DELTA DENTAL OF OHIO | 211 | $70K |
| Vision | VISION SERVICE PLAN | 87 | $16K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 156 | $5K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 210 | $999K |
| Other(2 contracts, 2 carriers) | AFLAC | 156 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.