| 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. | $73K | $3K | $76K | 5.20% |
| TRINITY EMPLOYEE BENEFITS LLC3 | 10713 W. SAM HOUSTON PKWY SUITE 100 HOUSTON, TX 77064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $618 | — | $618 | 0.53% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $452 | — | $452 | 0.39% |
| 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 | $445 | — | $445 | 0.38% |
| 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 | $439 | — | $439 | 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 | $433 | — | $433 | 0.37% |
| 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 | $423 | — | $423 | 0.36% |
| TRINITY EMPLOYEE BENEFITS LLC3 | 10713 W. SAM HOUSTON PKWY SUITE 100 HOUSTON, TX 77064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $363 | — | $363 | 0.31% |
| TRINITY EMPLOYEE BENEFITS LLC3 | 10713 W. SAM HOUSTON PKWY SUITE 100 HOUSTON, TX 77064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $221 | — | $221 | 0.19% |
| 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 | $214 | — | $214 | 0.18% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $159 | — | $159 | 0.14% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | — | $140 | 0.12% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | — | $122 | 0.10% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | — | $69 | 0.06% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| DON C. SCHMITT3 | 11955 STONEMARK LN. LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| DON C. SCHMITT3 | 11955 STONEMARK LN. LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| DON C. SCHMITT3 Filed as: DON C SCHMITT | 11955 STONEMARK LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| JORDAN R. BAIN3 Filed as: JORDAN R BAIN | 9673 KINGS AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| JORDAN R. BAIN3 | 9673 KINGS AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| DON C. SCHMITT3 | 11955 STONEMARK LN. LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DON C. SCHMITT3 Filed as: DON C SCHMITT | 11955 STONEMARK LN LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| TRINITY EMPLOYEE BENEFITS LLC3 | 10713 W. SAM HOUSTON PKWY SUITE 100 HOUSTON, TX 77064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JORDAN R. BAIN3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ASCENSION INSURANCE AGENCY3 Filed as: ASCENSION BENEFITS SOLUTIONS, LLC | 10723 CEDAR CREEK DR. HOUSTON, TX 77042 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 3.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $296 | $4K | 11.22% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.95% |
| JEFF GUTOVICH3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 168 | 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. | 151 | $1.6M |
| Dental | DENTAL CARE PLUS, INC. | 294 | $87K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 109 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 24 | $12K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 83 | $130K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 83 | $157K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 83 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.