| 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. | $75K | $5K | $80K | 5.79% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.44% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.02% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCNINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.97% |
| MJ INSURANCE3 Filed as: MCCLUSKEY INSUANCE LLC | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $932 | — | $932 | 0.64% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DRIVE CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $799 | — | $799 | 0.55% |
| 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 | $601 | — | $601 | 0.41% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $597 | — | $597 | 0.41% |
| 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 | $540 | — | $540 | 0.37% |
| 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 | $515 | — | $515 | 0.36% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $377 | — | $377 | 0.26% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $376 | — | $376 | 0.26% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $344 | — | $344 | 0.24% |
| 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 | $279 | — | $279 | 0.19% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $228 | — | $228 | 0.16% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $161 | — | $161 | 0.11% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $149 | — | $149 | 0.10% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $149 | — | $149 | 0.10% |
| DON C. SCHMITT3 Filed as: DON C SCHMITT | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | — | $143 | 0.10% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | — | $143 | 0.10% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 0.07% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 0.07% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.04% |
| 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 | $24 | — | $24 | 0.02% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.02% |
| ASCENSION INSURANCE AGENCY3 Filed as: ASCENSION BENEFITS SOLUTIONS, LLC | 10723 CEDAR CREEK DR. HOUSTON, TX 77042 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 4.29% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 5.96% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.76% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $430 | — | $430 | 0.60% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $430 | — | $430 | 0.60% |
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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | 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. | 141 | $1.5M |
| Dental | DENTAL CARE PLUS, INC. | 134 | $77K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 117 | $72K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 94 | $145K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 94 | $145K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 94 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.