| 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 | $58K | $3K | $61K | 3.68% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF OHIO | $6K | $0 | $6K | 9.23% |
| MELISSA A. MICKLEY3 Filed as: MELISSA MICKLEY | 3390 BURNT POND ROAD OSTRANDER, OH 43061 | AFLAC | $2K | $0 | $2K | 11.92% |
| MICKLEY CONSULTING LLC3 | 3390 BURNT POND ROAD OSTRANDER, OH 43061 | AFLAC | $1K | $47 | $1K | 6.90% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 WEST BROAD STREET, SUITE 1100 COLUMBUS, OH 43215 | AFLAC | $344 | $0 | $344 | 2.05% |
| MJ INSURANCE3 Filed as: JAMES A. BURRESS AND VARIOUS AGENTS | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $243 | $0 | $243 | 1.45% |
| CAMERON CARRILLO3 Filed as: CAMERON D. CARRILLO | 5801 WESTCHESTER COURT WORTHINGTON, OH 43085 | AFLAC | $145 | $9 | $154 | 0.92% |
| RONALD L HUGGINS JR3 Filed as: RONALD HUGGINS JR. | 5204 WOLF RUN DRIVE COLUMBUS, OH 43230 | AFLAC | $95 | $0 | $95 | 0.57% |
| AMBER D STEIN3 Filed as: AMBER D. STEIN | 14966 ROBINS ROAD JOHNSTOWN, OH 43215 | AFLAC | $86 | $9 | $95 | 0.57% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $978 | $0 | $978 | 5.96% |
| MICKLEY CONSULTING LLC3 | 400 WEST WILSON BRIDGE ROAD SUITE 200 WORTHINGTON, OH 43085 | AFLAC | $1K | $104 | $1K | 11.45% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 WEST BROAD STREET, SUITE 1100 COLUMBUS, OH 43215 | AFLAC | $565 | $0 | $565 | 4.56% |
| AMBER D STEIN3 Filed as: AMBER D. STEIN | 14966 ROBINS ROAD JOHNSTOWN, OH 43215 | AFLAC | $208 | $59 | $267 | 2.15% |
| HENSLEY AND ASSOCIATES LLC3 Filed as: HENSLEY & ASSOC. LLC & OTHER AGENTS | 1103 SCHROCK ROAD, SUITE 201 COLUMBUS, OH 43229 | AFLAC | $227 | $21 | $248 | 2.00% |
| CAMERON CARRILLO3 Filed as: CAMERON D. CARRILLO | 5801 WESTCHESTER COURT WORTHINGTON, OH 43085 | AFLAC | $98 | $0 | $98 | 0.79% |
| JAMES A BURRESS3 Filed as: JAMES A. BURRESS | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $59 | $0 | $59 | 0.48% |
| PAULA C. FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $33 | $0 | $33 | 0.27% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | SUN LIFE ASSURANCE COMPANY OF CANADA | $888 | $314 | $1K | 12.67% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 215 | $1.6M |
| Dental | DELTA DENTAL OF OHIO | 210 | $70K |
| Vision | VISION SERVICE PLAN | 88 | $16K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 170 | $9K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 215 | $1.6M |
| Other(3 contracts, 2 carriers) | AFLAC | 170 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.