| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | COMMUNITY INSURANCE COMPANY | $60K | $0 | $60K | 2.86% |
| SHAWAN MARQUIS AGENCY INC3 Filed as: SHAWAN MARQUIS AGENCY, INC. | 110 EAST WILSON BRIDGE ROAD SUITE 260 COLUMBUS, OH 43085 | COMMUNITY INSURANCE COMPANY | -$1K | $0 | -$1K | -0.06% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF OHIO | $7K | $0 | $7K | 9.09% |
| MELISSA A. MICKLEY3 | 3390 BURNT POND ROAD OSTRANDER, OH 43061 | AFLAC | $1K | $28 | $1K | 5.33% |
| MICKLEY CONSULTING LLC3 Filed as: MICKLEY CONSULTING, LLC | 3390 BURNT POND ROAD OSTRANDER, OH 43061 | AFLAC | $691 | $0 | $691 | 2.55% |
| JAMES A BURRESS3 Filed as: JAMES A. BURRESS AND OTHER AGENTS | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $336 | $0 | $336 | 1.24% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 135 EAST LIBERTY STREET WOOSTER, OH 44691 | AFLAC | $305 | $0 | $305 | 1.13% |
| ANDREW J LOEWEN3 Filed as: ANDREW J. LOEWEN | 1103 SCHROCK ROAD, SUITE 303 COLUMBUS, OH 43229 | AFLAC | $193 | $0 | $193 | 0.71% |
| MORGAN LOEWEN3 | 5505 BELLERIVE PLACE WESTERVILLE, OH 43082 | AFLAC | $146 | $0 | $146 | 0.54% |
| AMBER D STEIN3 Filed as: AMBER D. STEIN | 14966 ROBINS ROAD JOHNSTOWN, OH 43031 | AFLAC | $73 | $0 | $73 | 0.27% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.37% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $927 | $0 | $927 | 9.14% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $183 | $183 | 1.80% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 213 | $2.1M |
| Dental | DELTA DENTAL OF OHIO | 261 | $73K |
| Vision | VISION SERVICE PLAN | 109 | $19K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 175 | $10K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 213 | $2.1M |
| Other(2 contracts, 2 carriers) | AFLAC | 175 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.