| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 PARK CENTRAL 7 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 9.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 GANNETT DRIVE, SUITE 300 JACKSON, OH 45640 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $743 | $0 | $743 | 0.95% |
| PEOPLES INSURANCE AGENCY, LLC3 | 124 PUTNAM STREET MARIETTA, OH 45750 | AFLAC | $1K | $0 | $1K | 4.13% |
| KIMBERLY NIETO3 | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | AFLAC | $1K | $25 | $1K | 3.21% |
| STEVE NIETO3 | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | AFLAC | $891 | $58 | $949 | 2.84% |
| DONNA LIVINGSTON3 Filed as: DONNA J. LIVINGSTON & OTHER AGENTS | 402 HANSGEN MORGAN ROAD WHEELERSBURG, OH 45694 | AFLAC | $867 | $25 | $892 | 2.67% |
| ANDREW J LOEWEN3 Filed as: ANDREW J. LOEWEN | 1103 SCHROCK ROAD, SUITE 303 COLUMBUS, OH 43229 | AFLAC | $413 | $21 | $434 | 1.30% |
| LEROY ROBERT PITTMAN3 | 432 STEWART LANE MANSFIELD, OH 44907 | AFLAC | $260 | $0 | $260 | 0.78% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: CHRISTOPHER ALLEN NEECE | 11460 WOODBRIDGE LANE NW BALTIMORE, OH 43105 | AFLAC | $184 | $0 | $184 | 0.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 PARK CENTRAL 7 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $358 | $2K | 12.99% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $79K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $79K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $79K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $12K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $79K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.