| 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 | 12.56% |
| HENSLEY AND ASSOCIATES LLC3 Filed as: HENSLEY AND ASSOC. AND OTHER AGENTS | 1103 SCHROCK RD SUITE 201 COLUMBUS, OH 43229 | AFLAC | $729 | $10 | $739 | 4.54% |
| KIMBERLY NIETO3 | 5419 CLUB ROAD WESTERVILLE, OH 43082 | AFLAC | $397 | $22 | $419 | 2.57% |
| MICHAEL RIST3 | 4814 MEDALLION DR W WESTERVILLE, OH 43082 | AFLAC | $376 | $0 | $376 | 2.31% |
| PEOPLES INSURANCE AGENCY, LLC3 | 124 PUTNAM STREET P.O. BOX 210 JACKSON, OH 45640 | AFLAC | $346 | $0 | $346 | 2.12% |
| DONNA LIVINGSTON3 | 402 HANSEGEN MORGAN ROAD WHEELERSBURG, OH 45694 | AFLAC | $271 | $0 | $271 | 1.66% |
| STEVE NIETO3 | UNKNOWN JACKSON, OH 45640 | AFLAC | $195 | $36 | $231 | 1.42% |
| JAMES BURRESS3 | 64118 FAYBOROUGH COURT DUBLIN, OH 43016 | AFLAC | $196 | $0 | $196 | 1.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | $787 | $2K | 16.34% |
| PEOPLES INSURANCE AGENCY, LLC3 | DBA BARENGO INSURNCE P.O. BOX 210 MARIETTA, OH 45750 | AMERICAN HERITAGE LIFE (ALLSTATE) | $790 | $0 | $790 | 6.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY | $956 | $651 | $2K | 16.81% |
| 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 | $5 | $0 | $5 | 0.05% |
| BAC AGENCY, INC.5 | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | UNITED HEALTHCARE INSURANCE COMPANY | $874 | $0 | $874 | 9.99% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 82 | $186K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 126 | $49K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 126 | $49K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 212 | $24K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY | 212 | $22K |
| Prescription drug | UNIMERICA INSURANCE COMPANY | 82 | $174K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 82 | $174K |
| Other(2 contracts, 2 carriers) | AFLAC | 82 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
No prospect flags tripped on this filing.