| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHELAN INSURANCE AGENCY, INC.3 Filed as: PHELAN INSURANCE AGENCY | 863 E. MAIN STREET VERSAILLES, OH 45380 | COMMUNITY INSURANCE AGENCY | $25K | — | $25K | 2.28% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICE AGEN | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | COMMUNITY INSURANCE AGENCY | $10K | $1K | $11K | 1.00% |
| PHELAN INSURANCE AGENCY, INC.3 Filed as: PHELAN INSURANCE AGENCY INC | 863 EAST MAIN STREET VERSAILLES, OH 45380 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $2K | $14K | 10.57% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SERVIC | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.08% |
| MATTHEW L CASTILLO3 Filed as: MATTHEW CASTILLO | 810 WEST GOFF DRIVE MARION, IN 46953 | CONTINENTAL AMERICAN INSURANCE COMPANY | $977 | — | $977 | 3.73% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $303 | — | $303 | 1.16% |
| MICHAEL R REBER3 Filed as: MICHAEL REBER | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $292 | — | $292 | 1.11% |
| PHELAN INSURANCE AGENCY, INC.3 Filed as: PHELAN INSURANCE AGENCY | 863 EAST MAIN STREET VERSAILLES, OH 45380 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | — | $168 | 0.64% |
| BRIAN J DAY3 Filed as: BRIAN J. DAY | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $163 | — | $163 | 0.62% |
| MELISSA SELNER3 | 10210 QUAILS LANDING AVENUE TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.50% |
| RICHARD W WESTERMAYER3 Filed as: RICHARD KNAPKE | 8636 CHESHIRE FRANKLIN, OH 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 0.38% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE AGENCY | 188 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $134K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $134K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $134K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $134K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 88 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.