| 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 | $61K | $2K | $63K | 4.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF OHIO | $7K | $0 | $7K | 9.65% |
| MELISSA A. MICKLEY3 | 3390 BURNT POND ROAD OSTRANDER, OH 43061 | AFLAC | $2K | $209 | $2K | 10.16% |
| MICKLEY CONSULTING LLC3 | 3390 BURNT POND ROAD OSTRANDER, OH 43061 | AFLAC | $566 | $59 | $625 | 3.18% |
| JAMES A BURRESS3 Filed as: JAMES A. BURRESS & OTHER AGENTS | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $316 | $30 | $346 | 1.76% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 WEST BROAD STREET, SUITE 1100 COLUMBUS, OH 43215 | AFLAC | $305 | $0 | $305 | 1.55% |
| AMANDA J HUGGINS3 Filed as: AMANDA J. HUGGINS | 5204 WOLF RUN DRIVE COLUMBUS, OH 43230 | AFLAC | $91 | $0 | $91 | 0.46% |
| MARTIN J LEWIS3 Filed as: MARTIN J. LEWIS | 450 WEST WILSON BRIDGE ROAD SUITE 110 WORHTHINGTON, OH 43058 | AFLAC | $81 | $0 | $81 | 0.41% |
| AMBER D STEIN3 Filed as: AMBER D. STEIN | 14966 ROBINS ROAD JOHNSTOWN, OH 43031 | AFLAC | $73 | $0 | $73 | 0.37% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.67% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 10.87% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 214 | $1.6M |
| Dental | DELTA DENTAL OF OHIO | 240 | $70K |
| Vision | VISION SERVICE PLAN | 108 | $19K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 201 | $11K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 214 | $1.6M |
| Other(2 contracts, 2 carriers) | AFLAC | 201 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.