| 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 | $62K | $2K | $65K | 4.83% |
| SHAWAN MARQUIS AGENCY INC3 Filed as: SHAWAN MARQUIS AGENCY, INC. | 110 EAST WILSON BRIDGE ROAD SUITE 260 COLUMBUS, OH 43085 | COMMUNITY INSURANCE COMPANY | $2K | $0 | $2K | 0.13% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF OHIO | $7K | $0 | $7K | 9.92% |
| MELISSA A. MICKLEY3 | 3390 BURNT POND ROAD OSTRANDER, OH 43061 | AFLAC | $2K | $39 | $2K | 8.60% |
| MICKLEY CONSULTING LLC3 Filed as: MICKLEY CONSULTING, LLC | 3390 BURNT POND ROAD OSTRANDER, OH 43061 | AFLAC | $1K | $0 | $1K | 5.68% |
| ANDREW J LOEWEN3 Filed as: ANDREW J. LOEWEN | 538 BROCKHAMPTON LANE WESTERVILLE, OH 43082 | AFLAC | $308 | $0 | $308 | 1.31% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 135 EAST LIBERTY STREET WOOSTER, OH 44691 | AFLAC | $305 | $0 | $305 | 1.30% |
| AMANDA J HUGGINS3 Filed as: AMANDA J. HUGGINS | 5204 WOLF RUN DRIVE COLUMBUS, OH 43230 | AFLAC | $290 | $9 | $299 | 1.27% |
| JAMES A BURRESS3 Filed as: JAMES A. BURRESS AND OTHER AGENTS | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $281 | $0 | $281 | 1.20% |
| AMBER D STEIN3 Filed as: AMBER D. STEIN | 14966 ROBINS ROAD JOHNSTOWN, OH 43031 | AFLAC | $73 | $0 | $73 | 0.31% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $693 | $170 | $863 | 8.21% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | SUN LIFE ASSURANCE COMPANY OF CANADA | $261 | $0 | $261 | 2.48% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 216 | $1.3M |
| Dental | DELTA DENTAL OF OHIO | 250 | $72K |
| Vision | VISION SERVICE PLAN | 110 | $19K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 205 | $11K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 216 | $1.3M |
| Other(2 contracts, 2 carriers) | AFLAC | 205 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.