| 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. | $74K | $7K | $81K | 5.47% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL DRIVE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.30% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.07% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $946 | — | $946 | 0.80% |
| TRINITY EMPLOYEE BENEFITS LLC3 | 10713 W. SAM HOUSTON PKWY SUITE 100 HOUSTON, TX 77064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $606 | — | $606 | 0.51% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $531 | — | $531 | 0.45% |
| 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 | $457 | — | $457 | 0.39% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $454 | — | $454 | 0.38% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $429 | — | $429 | 0.36% |
| 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 | $420 | — | $420 | 0.35% |
| TRINITY FINANCIAL LLC3 Filed as: TRINITY FINANCIAL BENEFITS LLC | 10713 W. SAM HOUSTON PKWY. SUITE 100 HOUSTON, TX 77064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $419 | — | $419 | 0.35% |
| 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 | $418 | — | $418 | 0.35% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $273 | — | $273 | 0.23% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVE. SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $212 | — | $212 | 0.18% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180 | — | $180 | 0.15% |
| TRINITY EMPLOYEE BENEFITS LLC3 | 10713 W. SAM HOUSTON PKWY. SUITE 100 HOUSTON, TX 77064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $175 | — | $175 | 0.15% |
| JORDAN R. BAIN3 | 9673 KINGS AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136 | — | $136 | 0.11% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $132 | — | $132 | 0.11% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $125 | — | $125 | 0.11% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 0.06% |
| JORDAN R. BAIN3 | 9673 KINGS AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 0.05% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.02% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.02% |
| JORDAN R. BAIN3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| DON C. SCHMITT3 Filed as: DON C SCHMITT | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| DON C. SCHMITT3 | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| ASCENSION INSURANCE AGENCY3 Filed as: ASCENSION BENEFITS SOLUTIONS, LLC | 10723 CEDAR CREEK DR. HOUSTON, TX 77042 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 4.20% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $912 | — | $912 | 7.39% |
| AON CONSULTING INC3 Filed as: ALLSTATE HEWITT | 1176 AHL DR JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $633 | — | $633 | 5.13% |
| DON C. SCHMITT3 Filed as: DON C SCHMITT | 11795 WINTHROP LANE CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 0.74% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 0.74% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 211 | 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. | 140 | $1.6M |
| Dental(2 contracts, 2 carriers) | DENTAL CARE PLUS, INC. | 250 | $87K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 96 | $12K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 92 | $119K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 92 | $119K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 96 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.