| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST - 4TH FL BOSTON, MA 02110 | DELTA DENTAL OF OHIO | $2K | — | $2K | 2.66% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | PO BOX 736061 CHICAGO, IL 60673 | DELTA DENTAL OF OHIO | $1K | — | $1K | 1.62% |
| PINNACLE ADVISORY GROUP OF INDIANA3 Filed as: PINNACLE ADVISORY GROUP, INC. OF IN | 131 E HIGH STREET LAWRENCE, IN 47025 | DELTA DENTAL OF OHIO | $306 | — | $306 | 0.41% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST - 4TH FL BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.82% |
| PINNACLE ADVISORY GROUP OF INDIANA3 Filed as: PINNACLE ADVISORY GROUP OF IND | 131 E HIGH ST LAWRENCEBURG, IN 47025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $600 | — | $600 | 2.18% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $102 | $440 | $542 | 1.97% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST - 4TH FL BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 23.66% |
| PINNACLE ADVISORY GROUP OF INDIANA3 Filed as: PINNACLE ADVISORY GROUP OF IN | 131 EAST HIGH STREET LAWRENCEBURG, IN 47025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $709 | — | $709 | 3.36% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $77 | $310 | $387 | 1.84% |
| KATE MIRACLE AGENCY3 | 733 WINDFIELD DRIVE LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $304 | — | $304 | 9.43% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST - 4TH FL BOSTON, MA 02110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $286 | — | $286 | 8.87% |
| MICHAEL A KRAMER3 | 131 E. HIGH STREET LAWRENCEBURG, IN 47025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 5.68% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD-SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136 | — | $136 | 4.22% |
| MARK L HUFHAND3 Filed as: MARK L. HUFHAND | 1664 N. MAIN STREET-SUITE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.99% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DRIVE LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | — | $123 | 5.62% |
| MICHAEL A KRAMER3 | 131 E HIGH STREET LAWRENCEBURG, IN 47025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 3.47% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD-SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 2.79% |
| MARK L HUFHAND3 Filed as: MARK L. HUFHAND | 1664 N. MAIN STREET-SUITE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.68% |
| KATIE MIRACLE AGENCY3 | 733 WINFIELD DRIVE LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 3.79% |
| MICHAEL A KRAMER3 | 131 E HIGH ST LAWRENCEBURG, IN 47025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 2.38% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON RD - SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 2.14% |
| MARK L HUFHAND3 | 1664 N MAIN STREET-STE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.54% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST - 4TH FL BOSTON, MA 02110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $206 | — | $206 | 12.32% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD-SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.36% |
| MICHAEL A KRAMER3 | 131 E HIGH STREET LAWRENCEBURG, IN 47025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.18% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST -4TH FL BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $111 | — | $111 | 7.57% |
| PINNACLE ADVISORY GROUP OF INDIANA3 Filed as: PINNACLE ADVISORY GROUP INC. OF IN | 131 EAST HIGH STREET LAWRENCEBURG, IN 47025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36 | — | $36 | 2.45% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5 | $22 | $27 | 1.84% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 219 | $75K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $21K |
| Other(5 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 179 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
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.