| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABRADOR BROKERAGE AGENCY, LLC3 | 7269 SAWMILL ROAD SUITE 100 DUBLIN, OH 43016 | AMERICAN UNITED LIFE INSURANCE COMPANY | $26K | — | $26K | 8.82% |
| JERRY N GRAVES3 | 1877 KINSMERE DR TRINITY, FL 34655 | AFLAC | $254 | $23 | $277 | 3.97% |
| SUPPLEMENTAL INS SVCS INC3 Filed as: SUPPLEMENTAL INS INC | 1877 KINSMERE DR NEW PORT RICHEY, FL 34655 | AFLAC | $273 | — | $273 | 3.92% |
| LEE STEWART HOFFMAN3 | 20214 HERITAGE POINT DR TAMPA, FL 33647 | AFLAC | $84 | — | $84 | 1.20% |
| GROVE FINANCIAL LLC3 | 494 ORANGE ST PALM HARBOR, FL 34683 | AFLAC | $42 | $5 | $47 | 0.67% |
| NICHOLAS ALEXANDE VON BIALY3 | 2749 BURNING TREE LN CLEARWATER, FL 33761 | AFLAC | $38 | $5 | $43 | 0.62% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DR TAMPA, FL 33634 | AFLAC | $41 | — | $41 | 0.59% |
| JULIE SLAUGHTER3 Filed as: JULIE M SLAUGHTER | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $24 | — | $24 | 0.34% |
| THOMAS A HOUSE3 | 1114 LATTIMORE DR CLERMONT, FL 34711 | AFLAC | $19 | — | $19 | 0.27% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $12 | — | $12 | 0.17% |
| SUSAN C BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $7 | — | $7 | 0.10% |
| GRAVES INC3 Filed as: GRAVES INC. | 5659 W HOLIDY ST HOMOSASSA, FL 34446 | AFLAC | $3 | — | $3 | 0.04% |
| FRANCIS V CRUZ3 | 150 MAPLE DRIVE WEXFORD, PA 15090 | AFLAC | $1 | — | $1 | 0.01% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $1 | — | $1 | 0.01% |
| OMER S BASS IV3 | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $1 | — | $1 | 0.01% |
| ADRIENNE ALICE MENCHACA HOLBROOK3 | 413 LILYFIELD LN GALLOWAY, OH 43119 | AFLAC | $305 | $493 | $798 | 16.27% |
| LABRADOR BROKERAGE AGENCY, LLC3 | 7269 SAWMILL ROAD STE 100 DUBLIN, OH 43016 | AFLAC | $415 | — | $415 | 8.46% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: CHRISTOPHER ALLEN NEECE | 8591 N SPRING ST PICKERINGTON, OH 43147 | AFLAC | $123 | $40 | $163 | 3.32% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: CHRISTOPHER ALLEN NEECE | 11460 WOODBRIDGE LN NW BALTIMORE, OH 43105 | AFLAC | $102 | — | $102 | 2.08% |
| CAMERON CARRILLO3 Filed as: CAMERON D CARRILLO | 61503 ORION DR BEND, OR 97702 | AFLAC | $41 | $40 | $81 | 1.65% |
| MARTIN J LEWIS3 | 450 W WILSON BRIDGE RD STE 110 WORTHINGTON, OH 43085 | AFLAC | $20 | — | $20 | 0.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $332K |
| LABRADOR BROKERAGE AGENCY LLC EIN 31-1700880 BROKER | Other commissions Service code 55 | 7269 SAWMILL ROAD SUITE 100 DUBLIN, OH 43016 | $87K |
| EMERALD FINANCIAL ADVISORS EIN 46-3051313 BROKER | Other commissions Service code 55 | 7269 SAWMILL ROAD SUITE 100 DUBLIN, OH 43016 | $16K |
| CENTERSTONE INSURANCE COLUMBUS EIN 95-4018229 BROKER | Other commissions Service code 55 | 250 W OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 43085 | $9K |
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 | 599 | 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) | 599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 332 | $37K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 632 | $298K |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 632 | $310K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 632 | $298K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE | 695 | $502K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.