| 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. | $42K | $4K | $45K | 4.52% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 6.90% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 3.87% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 3.66% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.88% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.31% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.03% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.96% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.74% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCNINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.22% |
| MJ INSURANCE3 Filed as: MCCLUSKEY INSUANCE LLC | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.20% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $461 | — | $461 | 0.42% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DRIVE CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $336 | — | $336 | 0.31% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 0.12% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $111 | — | $111 | 0.10% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.07% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DON C. SCHMITT3 Filed as: DON C SCHMITT | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | ALLSTATE BENEFITS | $2K | — | $2K | 2.92% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | ALLSTATE BENEFITS | $254 | — | $254 | 0.37% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | ALLSTATE BENEFITS | $32 | — | $32 | 0.05% |
| DON C. SCHMITT3 Filed as: DON C SCHMITT | 11795 WINTHROP LANE CINCINNATI, OH 45249 | ALLSTATE BENEFITS | $32 | — | $32 | 0.05% |
| MARK SCHMERGE3 | 700 W PETE ROSE WAY CINCINNATI, OH 452031892 | METROPOLITAN LIFE INSURANCE COMPANY | $201 | — | $201 | 1.42% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN OF OHIO, INC. | 120 | $1.1M |
| Dental | ALLSTATE BENEFITS | 113 | $68K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 34 | $14K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 120 | $123K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 120 | $109K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 120 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.