| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILESTONE BENEFITS AGENCY INC3 | PO BOX 2038 POWELL, OH 43065 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $34K | $34K | 3.46% |
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY, INC. | PO BOX 2038 POWELL, OH 43065 | DELTA DENTAL OF OHIO | $4K | $0 | $4K | 4.74% |
| MILESTONE BENEFITS AGENCY INC3 | PO BOX 2038 POWELL, OH 43065 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 14.00% |
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY | PO BOX 2038 POWELL, OH 43065 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.79% |
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY | PO BOX 2038 POWELL, OH 43065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $613 | $0 | $613 | 13.92% |
| MICHAEL SHAPIRO3 | PO BOX 302 GRANVILLE, OH 43023 | AFLAC | $22 | $0 | $22 | 1.43% |
| RHONDA BALL3 | PO BOX 1233 POWELL, OH 43065 | AFLAC | $18 | $0 | $18 | 1.17% |
| JOSEPH OMLOR3 | 450 W WILSON BRIDGE RD WORTHINGTON, OH 43085 | AFLAC | $16 | $0 | $16 | 1.04% |
| LANCE SHNIDER3 | 6873 NEW ALBANY LINKS DR NEW ALBANY, OH 43054 | AFLAC | $14 | $0 | $14 | 0.91% |
| JORDAN FUNK3 | 917 COUNTY ROAD 100 N THOMPSONVILLE, IL 62890 | AFLAC | $7 | $0 | $7 | 0.46% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $7 | $0 | $7 | 0.46% |
| JOHN C RASCHELLA3 Filed as: JOHN RASCHELLA | 20301 GRD OAK SH BLVD # 118-32 ESTERO, FL 33928 | AFLAC | $2 | $0 | $2 | 0.13% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $1 | $0 | $1 | 0.07% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $1 | $0 | $1 | 0.07% |
| SCOTT A SMITH3 Filed as: SCOTT SMITH | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $1 | $0 | $1 | 0.07% |
| MARKUS MUELLER3 | 633 NE MUSKRAT RUN PORT ST LUCIE, FL 34983 | AFLAC | $0 | $0 | $0 | 0.00% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 96 | $981K |
| Dental | DELTA DENTAL OF OHIO | 215 | $78K |
| Vision | VISION SERVICE PLAN | 121 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $65K |
| Short-term disability | AFLAC | 3 | $2K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $65K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
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.