| 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 | $37K | $7 | $37K | 3.97% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICE AGEN | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | MEDICAL MUTUAL OF OHIO | — | $4 | $4 | 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 | $17K | 11.86% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SERVIC | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $7K | 4.73% |
| CASH IN LLC3 | 8636 CHESHIRE COURT FRANKLIN, OH 45005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.53% |
| LUKE MURRAY3 | 1996 QUARRY CREST DRIVE COLUMBUS, OH 43204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $456 | $83 | $539 | 1.74% |
| JAMES D SAMS3 | 239 FENWAY ROAD COLUMBUS, OH 43214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $432 | $13 | $445 | 1.43% |
| JASON ROSS RUBINSTEIN3 | 2076 BENTWOOD CIRCLE COLUMBUS, OH 43235 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | $8 | $265 | 0.85% |
| KIM EDWARD KELLY3 | 1056 MALLET DRIVE DAYTON, OH 45458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 0.38% |
| HOWARD MESZAROS3 | 8680 COLVIN DRIVE PLAN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $2 | $50 | 0.16% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 107 | $934K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $141K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $141K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $141K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $141K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $141K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 33 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.