| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $5K | $11K | 14.01% |
| KIMBERLY NIETO3 | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | AFLAC | $1K | $0 | $1K | 4.92% |
| PEOPLES INSURANCE AGENCY, LLC3 Filed as: PEOPLES INSURANCE AGENCY LLC | 124 PUTNAM STREET MARIETTA, OH 45750 | AFLAC | $1K | $0 | $1K | 3.76% |
| ADRIENNE HOLBROOK3 Filed as: ADRIENNE HOLBROOK AND OTHER AGENTS | 413 LILYFIELD LANE GALLOWAY, OH 43119 | AFLAC | $778 | $0 | $778 | 2.91% |
| DONNA LIVINGSTON3 Filed as: DONNA J. LIVINGSTON | 402 HANSGEN MORGAN ROAD WHEELERSBURG, OH 45694 | AFLAC | $269 | $0 | $269 | 1.01% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: CHRISTOPHER ALLEN NEECE | 11460 WOODBRIDGE LANE NW BALTIMORE, OH 43105 | AFLAC | $191 | $0 | $191 | 0.71% |
| JAMES A BURRESS3 Filed as: JAMES A. BURRESS | 8750 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $120 | $0 | $120 | 0.45% |
| THE PROFECTUS GROUP LLC3 | 450 WEST WILSON BRIDGE ROAD SUITE 110 WORTHINGTON, OH 43085 | AFLAC | $103 | $0 | $103 | 0.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED HEALTHCARE INSURANCE COMPANY | $693 | $0 | $693 | 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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 137 | $7K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $81K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $81K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $81K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $81K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.