| 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. | $63K | $3K | $66K | 4.77% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 3.53% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 2.99% |
| 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 | 2.50% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DRIVE CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 2.42% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.50% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.09% |
| MJ INSURANCE3 Filed as: MCCLUSKEY INSUANCE LLC | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.06% |
| 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 | 1.05% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.99% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.95% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCNINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.90% |
| 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 | $1K | — | $1K | 0.86% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.73% |
| 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 | $1K | — | $1K | 0.72% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $675 | — | $675 | 0.47% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127 | — | $127 | 0.09% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127 | — | $127 | 0.09% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 0.06% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 0.06% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.06% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.06% |
| DON C. SCHMITT3 Filed as: DON C SCHMITT | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.06% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.06% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.04% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.04% |
| ASCENSION INSURANCE AGENCY3 Filed as: ASCENSION BENEFITS SOLUTIONS, LLC | 10723 CEDAR CREEK DR. HOUSTON, TX 77042 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 4.07% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 5.80% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.66% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $413 | — | $413 | 0.58% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $413 | — | $413 | 0.58% |
| MARK SCHMERGE3 | 700 W PETE ROSE WAY CINCINNATI, OH 452031892 | METROPOLITAN LIFE INSURANCE COMPANY | $350 | — | $350 | 2.20% |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | 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. | 136 | $1.5M |
| Dental | DENTAL CARE PLUS, INC. | 128 | $76K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 112 | $71K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 31 | $16K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 136 | $161K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 136 | $145K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 136 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.