| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 12.75% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE & ASSOCIATES AND OTHER AGENTS | 470 OLDE WORTHINGTO ROAD SUITE 250 WESTERVILLE, OH 43082 | AFLAC | $625 | $0 | $625 | 3.65% |
| STEVE NIETO3 | UNKNOWN JACKSON, OH 45640 | AFLAC | $554 | $0 | $554 | 3.23% |
| KIMBERLY NIETO3 | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | AFLAC | $385 | $0 | $385 | 2.25% |
| DONNA LIVINGSTON3 | 402 HANSEGEN MORGAN ROAD WHEELERSBURG, OH 45694 | AFLAC | $304 | $0 | $304 | 1.77% |
| JAMES BURRESS3 | 64118 FAYBOROUGH COURT DUBLIN, OH 43016 | AFLAC | $240 | $0 | $240 | 1.40% |
| PEOPLES INSURANCE AGENCY, LLC3 | 124 PUTNAM STREET P.O. BOX 210 JACKSON, OH 45640 | AFLAC | $167 | $0 | $167 | 0.97% |
| PAULA CUTTER3 | 445 HUTCHINSON AVENUE, SUITE 820 COLUMBUS, OH 43235 | AFLAC | $126 | $0 | $126 | 0.74% |
| PEOPLES INSURANCE AGENCY, LLC3 | DBA BARENGO INSURANCE P.O. BOX 210 MARIETTA, OH 45750 | AMERICAN HERITAGE LIFE (ALLSTATE) | $865 | $0 | $865 | 6.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | $732 | $2K | 16.18% |
| BAC AGENCY, INC.5 | 6331 EAST LININGSTON AVENUE REYNOLDSBURG, OH 43068 | UNITED HEALTHCARE INSURANCE COMPANY | $950 | $0 | $950 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY | $769 | $535 | $1K | 16.96% |
| LIFETIME FINANCIAL GROWTH OF N3 Filed as: LIFETIME FINANCIAL GROWTH N. OH | 24500 CHAGRIN BOULEVARD, SUITE 200 BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY | $4 | $0 | $4 | 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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 78 | $274K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 110 | $47K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE (ALLSTATE) | 214 | $25K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY | 214 | $20K |
| Prescription drug | UNIMERICA INSURANCE COMPANY | 78 | $261K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 78 | $261K |
| Other(2 contracts, 2 carriers) | AFLAC | 78 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.