| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | COMMUNITY INSURANCE COMPANY | $53K | $0 | $53K | 3.86% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS. SVCES. INC. | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $0 | $840 | $840 | 0.06% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF OHIO | $9K | $0 | $9K | 10.66% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $987 | $0 | $987 | 5.37% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET, SUITE 1100 COLUMBUS, OH 43215 | AFLAC | $1K | $0 | $1K | 8.44% |
| MICKLEY CONSULTING LLC3 | 400 WEST WILSON BRIDGE ROAD SUITE 200 WORTHINGTON, OH 43085 | AFLAC | $581 | $0 | $581 | 4.40% |
| AMBER D STEIN3 Filed as: AMBER D. STEIN | 14966 ROBINS ROAD JOHNSTOWN, OH 43031 | AFLAC | $296 | $0 | $296 | 2.24% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC AND OTHER AGENTS | 6324 TARTON FIELDS LANE MASON, OH 45040 | AFLAC | $259 | $0 | $259 | 1.96% |
| MICKLEY CONSULTING LLC3 | 1103 SCHROCK ROAD, SUITE 201 COLUMBUS, OH 43229 | AFLAC | $142 | $0 | $142 | 1.08% |
| HENSLEY AND ASSOCIATES LLC3 | 1103 SCHROCK ROAD, SUITE 201 COLUMBUS, OH 43229 | AFLAC | $141 | $0 | $141 | 1.07% |
| JAMES A BURRESS3 Filed as: JAMES A. BURRESS | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $103 | $0 | $103 | 0.78% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | SUN LIFE ASSURANCE COMPANY OF CANADA | $540 | $0 | $540 | 9.21% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 281 | $1.4M |
| Dental | DELTA DENTAL OF OHIO | 298 | $80K |
| Vision | VISION SERVICE PLAN | 115 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $6K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 281 | $1.4M |
| Other(2 contracts, 2 carriers) | AFLAC | 183 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.