| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH) INC. | 7438 JAGER CT CINCINNATI, OH 45230 | HUMANA HEALTH PLAN OF OHIO, INC. | $21K | $4K | $25K | 4.32% |
| TIMOTHY LAWSON MARCAGI3 Filed as: TIMOTHY MARCAGI | 7438 JAGER CT CINCINNATI, OH 45230 | HUMANA HEALTH PLAN OF OHIO, INC. | $6K | — | $6K | 0.98% |
| STARR M BLANTON3 | 5517 DRY RIDGE ROAD CINCINNATI, OH 45252 | AFLAC | $10K | $539 | $10K | 15.33% |
| RONALD J GRETHEL3 | 648 HANNA AVE. LOVELAND, OH 45140 | AFLAC | $1K | $26 | $1K | 1.97% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $748 | $30 | $778 | 1.14% |
| KANDACE M MCCARTHY3 | PO BOX 1047 304 CANTERFIELD PKWY W WEST DUNDEE, IL 60118 | AFLAC | $630 | $78 | $708 | 1.04% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $572 | $78 | $650 | 0.95% |
| CHRIS BIALKA3 | 11260 CHESTER RD, SUITE 100 CINCINNATI, OH 45246 | AFLAC | $647 | — | $647 | 0.95% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD, SUITE 500 WEST CHESTER, OH 45069 | AFLAC | $445 | $108 | $553 | 0.81% |
| RUTH WOLFANGEL3 | 8034 WITTS MILL LANE CINCINNATI, OH 45255 | AFLAC | $317 | — | $317 | 0.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC. | 312 ELM STREET, SUITE 2400 CINCINNATI, OH 45202 | AFLAC | $146 | — | $146 | 0.21% |
| GENESIS & ASSOCIATES LLC3 Filed as: GENESIS M COFFEY | 11260 CHESTER RD, SUITE 100 CINCINNATI, OH 45246 | AFLAC | $106 | — | $106 | 0.16% |
| MICHAEL J QUINN3 | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $55 | — | $55 | 0.08% |
| MELISSA A BRINKER3 Filed as: MELISSA BRINKER | 11260 CHESTER RD, STE 100 CINCINNATI, OH 45246 | AFLAC | $54 | — | $54 | 0.08% |
| RONALD C GRETHEL3 | 28044 CAVENDISH COURT #5803 BONITA SPRINGS, FL 34135 | AFLAC | $52 | — | $52 | 0.08% |
| JULIANN LUTZ3 | 19646 N 92ND AVENUE PEORIA, AZ 85382 | AFLAC | $46 | — | $46 | 0.07% |
| KATHRYN HOFFMAN3 Filed as: KATHRYN E HOFFMAN | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $40 | — | $40 | 0.06% |
| JOHN LUTZ3 Filed as: JOHN B LUTZ | 19646 N 92ND AVENUE PEORIA, AZ 85382 | AFLAC | $37 | — | $37 | 0.05% |
| ANDREW R GRETHEL3 | 600 S HIDDEN VALLEY RD #150 CARLSBAD, CA 92011 | AFLAC | $34 | — | $34 | 0.05% |
| THOMAS S GENTZ3 | 3848 CHERRY BROOK LN MASON, OH 45040 | AFLAC | $34 | — | $34 | 0.05% |
| JOHN D PETTIGREW3 | 1620 COHASSET DR CINCINNATI, OH 45255 | AFLAC | $20 | — | $20 | 0.03% |
| JOHN D PETTIGREW3 | 3057 FOX DEN LANE CINCINNATI, OH 45244 | AFLAC | $19 | — | $19 | 0.03% |
| MARINA L WARD3 | 1142 TIMBERTRAIL CT DAYTON, OH 45458 | AFLAC | $14 | — | $14 | 0.02% |
| QUINN, MEYER & ASSOCIATES3 Filed as: QUINN, MEYER & ASSOICATES | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $12 | — | $12 | 0.02% |
| GCG FINANCIAL LLC3 Filed as: PAULA G DICKERSON | 5134 TINEWOOD DR MASON, OH 45040 | AFLAC | $10 | — | $10 | 0.01% |
| TERESA MARIE CHRISTMAN3 | 4619 PIER CT SOUTH BEND, IN 46628 | AFLAC | $2 | — | $2 | 0.00% |
| MARK SCHMERGE3 | 700 W. PETE ROSE WAY CINCINNATI, OH 45203 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 6.24% |
| MARK SCHMERGE3 | 700 W PETE ROSE WAY CINCINNATI, OH 452031892 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 14.04% |
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 | 75 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 76 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 67 | $580K |
| Dental | DENTAL CARE PLUS, INC. | 71 | $40K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 37 | $15K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 37 | $15K |
| Long-term disability | AFLAC | 68 | $68K |
| Other(2 contracts, 2 carriers) | AFLAC | 68 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 71 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.