| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 20.30% |
| MARK L HENDERSON3 Filed as: MARK L. HENDERSON | UNKNOWN SPRINGFIELD, OH 45501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 11.71% |
| CARRIE L CARTER3 Filed as: CARRIE L. CARTER | 4433 38TH STREET, SUITE 4 CANTON, OH 44718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 7.31% |
| JOHN D SUSIE3 Filed as: JOHN D. SUSIE | 8682 HAWICK COURT NORTH DUBLIN, OH 43014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.87% |
| A C LONG & ASSOCIATES INC3 Filed as: A. C. LONG AND ASSOCIATES, INC. | 1113 MEDINA ROAD, SUITE 500 MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.40% |
| TERRI L. PEASE AND OTHER AGENTS3 | 414 OAK STREET WADSWORTH, OH 44281 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | $0 | $216 | 0.36% |
| LOUIS CULLEN SMITH3 | 3205 QUIET TREE GROVE OLD HICKORY, TN 37138 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | $0 | $53 | 0.09% |
| DONNA L BEYLAND3 Filed as: DONNA L. BEYLAND | 519 WINDSOR PARK DRIVE DAYTON, OH 45459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $187 | $2K | 5.66% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN AND ASSOCIATES INC. | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.17% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED BENEFIT COMMUNICATION | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.30% |
| PATRICIA G SPIES3 Filed as: PATRICIA G. SPIES | 600 SOUTH MARSHALL ROAD MIDDLETOWN, OH 45044 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $81 | $1K | 2.58% |
| MJ INSURANCE3 Filed as: BRYAN R. BEYLAND AND VARIOUS AGENTS | 8811 YANKEE COVE COURT CENTERVILLE, OH 45458 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $788 | $0 | $788 | 1.81% |
| BEYLAND CONSULTANTS INC3 Filed as: BEYLAND CONSULTANTS INC. | 519 WINDSOR PARK DRIVE CENTERVILLE, OH 45459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $311 | $401 | $712 | 1.64% |
| MELISSA S BEYLAND3 Filed as: MELISSA S. BEYLAND | 8811 YANKEE COVE COURT CENTERVILLE, OH 45485 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $632 | $1 | $633 | 1.46% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 8.12% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE, SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $62 | $62 | 0.15% |
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 | 351 | 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) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 351 | $85K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 75 | $43K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 351 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.