| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHELAN INSURANCE AGENCY, INC.3 Filed as: PHELAN INSURANCE AGENCY | PO BOX ONE VERSAILLES, OH 45380 | MEDICAL MUTUAL OF OHIO | $32K | — | $32K | 2.96% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICE AGEN | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | MEDICAL MUTUAL OF OHIO | — | $8 | $8 | 0.00% |
| PHELAN INSURANCE AGENCY, INC.3 Filed as: PHELAN INSURANCE AGENCY INC | 863 EAST MAIN STREET VERSAILLES, OH 45380 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $4K | $16K | 13.49% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SERVIC | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 5.30% |
| CASH IN LLC3 | 8636 CHESHIRE COURT FRANKLIN, OH 45005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 23.35% |
| LUKE MURRAY3 | 1996 QUARRY CREST DRIVE COLUMBUS, OH 43204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 17.56% |
| JASON ROSS RUBINSTEIN3 | 2076 BENTWOOD CIRCLE COLUMBUS, OH 43235 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 9.96% |
| KIM EDWARD KELLY3 | 1056 MALLET DRIVE DAYTON, OH 45458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $801 | $1K | $2K | 6.21% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $599 | $2K | 5.82% |
| BALISA MANGXABA3 | 900 COLONY WAY COLUMBUS, OH 43235 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $474 | $98 | $572 | 1.96% |
| ALFRED CLIFFORD3 | 6012 SLIPPERY ROCK DRIVE COLUMBUS, OH 43229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $13 | $24 | 0.08% |
| MATTHEW L CASTILLO3 Filed as: MATTHEW CASTILLO | 810 WEST GOFF DRIVE MARION, IN 46953 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | — | $147 | 3.78% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 1.70% |
| MICHAEL R REBER3 Filed as: MICHAEL REBER | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 1.11% |
| PHELAN INSURANCE AGENCY, INC.3 Filed as: PHELAN INSURANCE AGENCY | 863 EAST MAIN STREET VERSAILLES, OH 45380 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.62% |
| MELISSA SELNER3 | 10210 QUAILS LANDING AVENUE TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.44% |
| RICHARD W WESTERMAYER3 Filed as: RICHARD KNAPKE | 8636 CHESHIRE FRANKLIN, OH 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.39% |
| BRIAN J DAY3 Filed as: BRIAN J. DAY | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.05% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 107 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $120K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $120K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $120K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $120K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $120K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 88 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.