| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMMUNITY INSURANCE COMPANY (G1728) | $60K | $508 | $60K | 3.08% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 6.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 10.15% |
| DORIS M NAPIER3 | 4200 BATTEE ROAD ALEXANDRIA, OH 43001 | AFLAC | $992 | $20 | $1K | 5.57% |
| CHARLES F SMITH JR3 | 6832 S HARDIN RD HARROD, OH 45850 | AFLAC | $234 | — | $234 | 1.29% |
| THOMAS J TRUSLER3 | 201 EVENING WAY PICKERINGTON, OH 43147 | AFLAC | $196 | $4 | $200 | 1.10% |
| THE INSURANCE OUTLET AGENCY INC3 | 136 NORTHWOODS BLVD COLUMBUS, OH 43235 | AFLAC | $120 | — | $120 | 0.66% |
| ROBERT P HARE3 | 6324 TARTON FIELDS LN MASON, OH 45040 | AFLAC | $92 | — | $92 | 0.51% |
| BRUCE MEYER3 Filed as: BRUCE E MEYER | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $82 | — | $82 | 0.45% |
| HENSLEY AND ASSOCIATES LLC3 | 1103 SCHROCK RD STE 201 COLUMBUS, OH 43231 | AFLAC | $53 | $4 | $57 | 0.31% |
| SHAWN M THEIS3 | 3309 WESTERVILLE WOODS DR COLUMBUS, OH 43231 | AFLAC | $55 | — | $55 | 0.30% |
| PAULA C. FRIZZELL3 Filed as: PAULA C FRIZZELL | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $48 | — | $48 | 0.26% |
| MICHAEL J QUINN3 | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $43 | — | $43 | 0.24% |
| PAULA GAIL NEAL3 Filed as: PAULA C CUTTER | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $26 | — | $26 | 0.14% |
| ROBERT T WRIGHT3 | 3980 CORBY ST NW UNIONTOWN, OH 44685 | AFLAC | $26 | — | $26 | 0.14% |
| ROBERT P HARE3 | 470 OLDE WORTHINGTON RD SUITE 250 WESTERVILLE, OH 43082 | AFLAC | $19 | — | $19 | 0.10% |
| HARE AND ASSOCIATES LLC3 | 470 OLD WORTHINGTON RD, STE 250 WESTERVILLE, OH 43082 | AFLAC | $17 | — | $17 | 0.09% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $16 | — | $16 | 0.09% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $10 | — | $10 | 0.06% |
| MARI GYURCSIK3 | 420 S PARKVIEW AVE COLUMBUS, OH 43209 | AFLAC | $9 | — | $9 | 0.05% |
| MARI GYURCSIK3 | 43 N STANWOOD RD COLUMBUS, OH 43209 | AFLAC | $9 | — | $9 | 0.05% |
| JOHN C RASCHELLA3 | 3206 WALES AVE CLEVELAND, OH 44134 | AFLAC | $8 | — | $8 | 0.04% |
| SCOTT A SMITH3 | 5300 OAKBROOK PYWY BLDG 300, STE 350 NORCROSS, GA 30093 | AFLAC | $6 | — | $6 | 0.03% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $6 | — | $6 | 0.03% |
| JACK A SHADE3 | 690 TREE BEND CT WESTERVILLE, OH 43082 | AFLAC | $5 | — | $5 | 0.03% |
| MARKUS MUELLER3 | 633 NE MUSKRAT RUN PORT ST LUCIE, FL 34983 | AFLAC | $4 | — | $4 | 0.02% |
| RANDY M SOMERMAN3 | 19878 W KERRY PL STRONGSVILLE, OH 44149 | AFLAC | $4 | — | $4 | 0.02% |
| DARREN L BRUNO3 | 7542 STONE LAKE DR DUBLIN, OH 43017 | AFLAC | $4 | — | $4 | 0.02% |
| JOHN D SUSIE3 | 8682 HAWICK CT N DUBLIN, OH 43017 | AFLAC | $2 | — | $2 | 0.01% |
| JOSHUA K HOPPE3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $2 | — | $2 | 0.01% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $2 | — | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RELIASTER LIFE INSURANCE COMPANY EIN 41-0451140 NONE | Contract Administrator Service code 13 | — | $6K |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 148 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $95K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 157 | $61K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 157 | $61K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 157 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.