| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 180 N STETSON AVE CHICAGO, IL 60601 | COMMUNITY INSURANCE COMPANY | $56K | $0 | $56K | 2.83% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 10.06% |
| DORIS M NAPIER3 | 4200 BATTEE ROAD ALEXANDRIA, OH 43001 | AFLAC | $679 | $96 | $775 | 6.23% |
| CHARLES F SMITH JR3 | 6832 S HARDIN RD HARROD, OH 45850 | AFLAC | $114 | — | $114 | 0.92% |
| THOMAS J TRUSLER3 | 201 EVENING WAY PICKERINGTON, OH 43147 | AFLAC | $88 | — | $88 | 0.71% |
| ROBERT P HARE3 | 6324 TARTON FIELDS LN MASON, OH 45040 | AFLAC | $85 | — | $85 | 0.68% |
| LUBA M SHNIDER3 Filed as: LUBA MARIE SHNIDER | 6192 MCNAUGHTEN GROVE LN COLUMBUS, OH 43213 | AFLAC | $45 | $19 | $64 | 0.51% |
| THE INSURANCE OUTLET AGENCY INC3 | 136 NORTHWOODS BLVD STE A2 COLUMBUS, OH 43235 | AFLAC | $63 | — | $63 | 0.51% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 6234 TARTON FIELDS LN MASON, OH 45040 | AFLAC | $35 | $19 | $54 | 0.43% |
| PAULA C. FRIZZELL3 Filed as: PAULA C FRIZZELL | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $48 | — | $48 | 0.39% |
| BRUCE MEYER3 Filed as: BRUCE E MEYER | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $38 | — | $38 | 0.31% |
| SHAWN M THEIS3 | 8056 AQUADALE DR. YOUNGSTOWN, OH 44512 | AFLAC | $30 | — | $30 | 0.24% |
| MICHAEL J QUINN3 | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $20 | — | $20 | 0.16% |
| ROBERT T WRIGHT3 | 3980 CORBY ST NW UNIONTOWN, OH 44685 | AFLAC | $16 | — | $16 | 0.13% |
| HARE AND ASSOCIATES LLC3 | 6324 TARTON FIELDS LN MASON, OH 45040 | AFLAC | $15 | — | $15 | 0.12% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $13 | — | $13 | 0.10% |
| HENSLEY AND ASSOCIATES LLC3 | 1103 SCHROCK RD STE 201 COLUMBUS, OH 43229 | AFLAC | $8 | — | $8 | 0.06% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $6 | — | $6 | 0.05% |
| SCOTT A SMITH3 | 5300 OAKBROOK PYWY BLDG 300, STE 350 NORCROSS, GA 30093 | AFLAC | $5 | — | $5 | 0.04% |
| HENSLEY AND ASSOCIATES LLC3 | 9465 RIVIERA DR. UNION, KY 41091 | AFLAC | $4 | — | $4 | 0.03% |
| JOHN C RASCHELLA3 | 20521 TIHITIAN BLVD ESTERO, FL 33928 | AFLAC | $4 | — | $4 | 0.03% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $3 | — | $3 | 0.02% |
| MARKUS MUELLER3 | 633 NE MUSKRAT RUN PORT ST LUCIE, FL 34983 | AFLAC | $3 | — | $3 | 0.02% |
| RANDY M SOMERMAN3 | 5009 GREEN ASH TRAIL MEDINA, OH 44256 | AFLAC | $3 | — | $3 | 0.02% |
| DARREN L BRUNO3 | 1224 WESTWOOD DR. LEWIS CENTER, OH 43035 | AFLAC | $3 | — | $3 | 0.02% |
| JACK A SHADE3 | 690 TREE BEND CT WESTERVILLE, OH 43082 | AFLAC | $2 | — | $2 | 0.02% |
| JOHN D SUSIE3 | 8682 HAWICK CT N DUBLIN, OH 43017 | AFLAC | $2 | — | $2 | 0.02% |
| JOSHUA K HOPPE3 | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $2 | — | $2 | 0.02% |
| OPPORTUNITY INC3 Filed as: OPPORTUNITY INC. | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $1 | — | $1 | 0.01% |
| MARKUS MUELLER3 | 633 NE MUSKRAT RUN PORT ST LUCIE, FL 34983 | AFLAC | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RELIASTER LIFE INSURANCE COMPANY EIN 41-0451140 NONE | Contract Administrator Service code 13 | — | $5K |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 135 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $74K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 146 | $57K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 146 | $57K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 146 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.