| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE, STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 8.26% |
| STEPHEN BRIAN LOMBARDOZZI3 | 5329 GARGASZ DR LORAIN, OH 44053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.05% |
| CARRIE L CARTER3 Filed as: CARRIE LYNNE CARTER | 7724 HEATHERVIEW ST NW MASSILLON, OH 44646 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.16% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY ROAD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $410 | $0 | $410 | 0.87% |
| THOMAS WESLEY3 Filed as: THOMAS JOHN WESLEY | 837 MOSS CANYON DR AMHERST, OH 44001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $319 | $0 | $319 | 0.68% |
| MARK L HENDERSON3 | 8155 GARNET AVE NE CANTON, OH 44721 | CONTINENTAL AMERICAN INSURANCE COMPANY | $246 | $0 | $246 | 0.52% |
| CHARLES HOWARD JOBE3 | 8421 EVERGREEN DR SAGAMORE HILLS, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $182 | $0 | $182 | 0.39% |
| JOHN D SUSIE3 | 8682 HAWICK CT N DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | $0 | $129 | 0.27% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | $0 | $66 | 0.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | $0 | $61 | 0.13% |
| A C LONG & ASSOCIATES INC3 | 1113 MEDINA ROAD, STE 500 MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 0.10% |
| MICHAEL K MARVILLE3 Filed as: MICHAEL KEITA MARVILLE | 3850 E ANTISDALE RD SOUTH EUCLID, OH 44418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.07% |
| DEBRA OCONNOR FERNANDEZ3 Filed as: DEBRA L MAKOWSKI | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.04% |
| LOUIS CULLEN SMITH3 | PO BOX 283 OLD HICKORY, TN 37138 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.03% |
| DEBRA OCONNOR FERNANDEZ3 Filed as: DEBRA L MAKOWSKI | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD, STE 640 CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
| JACK A SHADE3 | 470 OLDE WORTHINGTON RD, STE 250 WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| TERRI PEASE3 Filed as: TERRI L PEASE | 567 SAGUARO PL BARBERTON, OH 44203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| THOMAS A HOUSE3 Filed as: THOMAS ALAN HOUSE | 14010 ROOSEVELT BLVD CLEARWATER, FL 33762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| ASHLEY GRASER3 Filed as: ASHLEY LOREN GRASER | 4044 POE RD MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ASHLEY GRASER3 Filed as: ASHLEY LOREN BLANCHARD | 4044 POE RD MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| JENNIFER LOEFFLER3 | 4455 MASON ROAD CANAL WINCHESTER, OH 43110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 3300 W ESPLANADE AVE METAIRIE, LA 70002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $698 | $37 | $735 | 1.91% |
| LISA R CANFIELD3 | 9255 HIGH POINT RD THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $670 | $29 | $699 | 1.82% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED EMPLOYEE BENEFIT SOLU. | 99 WOOD AVE S. ISELIN, NJ 08830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $575 | $0 | $575 | 1.50% |
| BROOKE HARMON3 Filed as: BROOKE HARMON & ASSOCIATES LLC | 70 HENRY LIVINGSTON RD POMARIA, SC 29126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $217 | $111 | $328 | 0.85% |
| DONNA L BEYLAND3 | 519 WINDSOR PARK DR DAYTON, OH 45459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $308 | $0 | $308 | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | DBA HORAN HEALTH CINCINNATI, OH 45236 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $157 | $0 | $157 | 0.41% |
| THE CLARK GROUP OF SC3 | 898 ROPER RD LAURENS, SC 29360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $68 | $109 | 0.28% |
| JUSTIN J MCDONALD3 | 5944 OAK CREEK WAY NW BALTIMORE, OH 43105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.15% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET CINCINNATI, OH 45202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.14% |
| RICHARD BEYLAND3 | 519 WINDSOR PARK DR. CENTERVILLE, OH 45459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.14% |
| HOWARD MESZAROS3 | 8680 COLVIN DR PLAIN CITY, OH 43064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.10% |
| BRENDA K COX3 | 1039 SPRINGWAY DRIVE SHELBYVILLE, IN 46176 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.09% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DR, UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $17 | $31 | 0.08% |
| DENNIS N SHAY3 | 409 MANILA PL WESTERVILLE, OH 43081 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.08% |
| PATRICIA G SPIES3 | 600 S MARSHALL RD MIDDLETOWN, OH 45044 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| GEORGE EVANS3 | 7950 S R 605 WESTERVILLE, OH 43081 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| OVERALL BENEFITS GROUP LLC3 | 9255 HIGH POINT RD THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 266 | $26K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 346 | $140K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 46 | $38K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 346 | $102K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 549 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.