| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOLDSCHMIDT MELISSA3 | 7223 VICTORIA FALLS AVE MAINEVILLE, OH 45039 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 6.94% |
| GOLDSCHMIDT MELISSA3 | 7423 VICTORIA FALLS AVE MAINEVILLE, OH 45039 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 4.62% |
| MCCLUSKEY INSURANCE LLC3 Filed as: MCCLUSKEY INC SERVICES LLC | 9162 UNION CEMETERY RD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 3.20% |
| GOLDSCHMIDT MELISSA3 | 7423 VICTORIA FALLS AVE MAINEVILLE, OH 45039 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.75% |
| MCCLUSKEY INSURANCE LLC3 Filed as: MCCLUSKEY INS SERVICES LLC | 9162 UNION CEMETERY RD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.64% |
| GOLDSCHMIDT MELISSA3 | 7423 VICTORIA FALLS AVE MAINEVILLE, OH 45039 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.46% |
| MCCLUSKEY INSURANCE LLC3 Filed as: MCCLUSKEY INS SERVICES LLC | 9162 UNION CEMETERY RD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.94% |
| TRINITY EMPLOYEE BENEFITS LLC3 | 10713 W. SAM HOUSTON PKWY SUITE 100 HOUSTON, TX 77064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.91% |
| MCCLUSKEY INSURANCE LLC3 Filed as: MCCLUSKEY INS SERVICES LLC | 9162 UNION CEMETERY RD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.86% |
| TRINITY EMPLOYEE BENEFITS LLC3 | 10713 W SAM HOUSTON PKWY SUITE 100 HOUSTON, TX 77064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.77% |
| TRINITY EMPLOYEE BENEFITS LLC3 | 10713 W SAM HOUSTON PKWY SUITE 100 HOUSTON, TX 77064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $659 | — | $659 | 0.37% |
| JOHN TIMMERMAN3 | 16806 ORCHID MIST DR. CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $410 | — | $410 | 0.23% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $396 | — | $396 | 0.22% |
| BAIN JORDAN R3 | 9673 KINGS AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $384 | — | $384 | 0.22% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $366 | — | $366 | 0.21% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $362 | — | $362 | 0.20% |
| TRINITY EMPLOYEE BENEFITS LLC3 | 10713 W SAM HOUSTON PKWY SUITE 100 HOUSTON, TX 77064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $348 | — | $348 | 0.20% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVE. SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $332 | — | $332 | 0.19% |
| BAIN JORDAN R3 | 9673 KINGS AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $228 | — | $228 | 0.13% |
| MCCLUSKEY INSURANCE LLC3 Filed as: MCCLUSKEY INS SERVICES LLC | 9162 UNION CEMETERY RD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $225 | — | $225 | 0.13% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 0.10% |
| TIMMERMAN JOHN3 | 16806 ORCHID MIST DR CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 0.09% |
| TIMMERMAN JOHN3 | 16806 ORCHID MIST DR CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | — | $122 | 0.07% |
| TIMMERMAN JOHN3 | 16806 ORCHID MIST DR CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 0.07% |
| BAIN JORDAN R3 | 9673 KINGS AUTOMALL ROAD CINCINNATI, OK 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $97 | — | $97 | 0.05% |
| BAIN JORDAN R3 | 9673 KINGS AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | — | $93 | 0.05% |
| TIMMERMAN JOHN3 | 16806 ORCHID MIST DR CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 0.04% |
| GUTOVICH JEFF3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| SCHMITT DON C3 | 11955 STONEMARK LN LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| GUTOVICH JEFF3 | 269 SOUTH BEVERLY DR #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| SCHMITT DON C3 | 11955 STONEMARK LN LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| GUTOVICH JEFF3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| SCHMITT DON C3 | 11955 STONEMARK LN LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| GUTOVICH JEFF3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| SCHMITT DON C3 | 11955 STONEMARK LN LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| GUTOVICH JEFF3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| SCHMITT DON C3 | 11955 STONEMARK LN LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC | 7438 JAGER CT CINCINNATI, OH 45230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.72% |
| GOLDSCHMIDT MELISSA3 | 7423 VICTORIA FALLS AVE MAINEVILLE, OH 45039 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $976 | — | $976 | 5.80% |
| AON CONSULTING INC3 Filed as: ALLSTATE HEWITT | 1776 AHL DR JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $829 | — | $829 | 4.92% |
| GUTOVICH JEFF3 | 269 SOUTH BEVERLY DRIVE #656 BEVERLY HILLS, CA 90212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 0.65% |
| MCCLUSKEY INSURANCE LLC3 | 9673 KING AUTOMALL ROAD CINCINNATI, OH 45249 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 0.56% |
| MARK SCHMERGE3 | 700 W PETE ROSE WAY CINCINNATI, OH 452031892 | METROPOLITAN LIFE INSURANCE COMPANY | $363 | — | $363 | 3.22% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 93 | $178K |
| Dental | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 102 | $17K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 102 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 22 | $11K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 93 | $189K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 93 | $218K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 102 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.