| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSUR-WHEELING | PO BOX 430 WHEELING, WV 26003 | THE HEALTH PLAN | $30K | — | $30K | 2.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | COMMUNITY INSURANCE COMPANY, DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $7K | — | $7K | 1.68% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD. #300 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY, DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $4K | — | $4K | 0.89% |
| SHAWAN MARQUIS AGENCY INC3 | 110 EAST WILSON BRIDGE ROAD STE 260 COLUMBUS, OH 43085 | COMMUNITY INSURANCE COMPANY, DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $1K | — | $1K | 0.33% |
| MARY ANN WILLIAMS3 | 6661 KUGLER MILL ROAD CINCINNATI, OH 45236 | AFLAC | $3K | $617 | $4K | 7.06% |
| MICHELE C KRAUS3 | 1382 IRONWOOD DR LEBANON, OH 45036 | AFLAC | $2K | $48 | $2K | 3.06% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $865 | $188 | $1K | 1.83% |
| LEE KRAUS3 Filed as: LEE J KRAUS | 1382 IRONWOOD DR LEBANON, OH 45036 | AFLAC | $822 | — | $822 | 1.43% |
| GREGORY W EVERSOLE3 | 4095 HAMILTON EATON RD HAMILTON, OH 45011 | AFLAC | $524 | — | $524 | 0.91% |
| JANET L LORD3 | 311 N VINE ST HARRISON, OH 45030 | AFLAC | $516 | — | $516 | 0.90% |
| JAMES J GRETHEL3 Filed as: JAMES GRETHEL | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $507 | — | $507 | 0.88% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD SUITE 500 WEST CHESTER, OH 45069 | AFLAC | $266 | $188 | $454 | 0.79% |
| CARLA CARR3 | PO BOX 176603 FORT MITCHELL, KY 41017 | AFLAC | $83 | — | $83 | 0.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: KELLY WILLIS | 5372 COTTAGE VIEW CT LIBERTY TWP, OH 45011 | AFLAC | $28 | — | $28 | 0.05% |
| LISA WINTRODE3 | 309 DOGWOOD DR DANVILLE, VA 24541 | AFLAC | $19 | — | $19 | 0.03% |
| MARLENE GUTTMAN3 | 9201 SHALLOW CREEK DR LOVELAND, OH 45140 | AFLAC | $18 | — | $18 | 0.03% |
| RUTH P YOUNG3 Filed as: RUTH YOUNG | 677 BERKMAR CT CHARLOTTESVILLE, VA 22901 | AFLAC | $10 | — | $10 | 0.02% |
| THOMAS E HATCHER JR3 Filed as: THOMAS HATCHER SR | 717 GREEN VALLEY RD., STE 200 GREENSBORO, NC 27408 | AFLAC | $7 | — | $7 | 0.01% |
| LEE KRAUS3 | 1382 IRONWOOD DRIVE LEBANON, OH 45036 | CONTINENTAL INSURANCE COMPANY | $513 | — | $513 | 2.88% |
| GREG W EVERSOLE3 | 4095 HAMILTON ROAD HAMILTON, OH 45011 | CONTINENTAL INSURANCE COMPANY | $409 | — | $409 | 2.30% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | 1801 TOWER DR UNIT 317 GLENVIEW, IL 60026 | CONTINENTAL INSURANCE COMPANY | $224 | — | $224 | 1.26% |
| BARRY SMITH3 | 1751 COURTLAND AVENUE NORWOOD, OH 45212 | CONTINENTAL INSURANCE COMPANY | $138 | — | $138 | 0.77% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL INSURANCE COMPANY | $118 | — | $118 | 0.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: KELLY S WILLIS | 5372 COTTAGE VIEW COURT LIBERTY TOWNSHIP, OH 45011 | CONTINENTAL INSURANCE COMPANY | $75 | — | $75 | 0.42% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL INSURANCE COMPANY | $23 | — | $23 | 0.13% |
| SHAWN M MCDERMOTT3 Filed as: SHAWN MCDERMOTT | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| INGER M PENNINGTON3 Filed as: INGER PENNINGTON | 1108 BROOKE AVE CINCINNATI, OH 45230 | CONTINENTAL INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INCORPORATED | 850 RIDGE AVE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $743 | — | $743 | 5.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $335 | $21 | $356 | 2.47% |
| JAMES DANIEL MARTINETTE3 | 2001 DECATUR AVE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | $34 | $256 | 1.78% |
| RICHARD D BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 1.13% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY SLATER | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $17 | $101 | 0.70% |
| PATRICIA G SPIES3 | 600 SOUTH MARSHALL ROAD MIDDLETOWN, OH 45044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.19% |
| CHARLES D MERS AND ASSOC3 | PO BOX 986 WESTERVILLE, OH 43086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| WILLIAM E GOOD3 Filed as: WILLIAM E. GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| DEEANN GREENE-MARSZALEK3 | 409 N. 20TH ST WEIRTON, WV 26062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| TONI PAULLUS3 | 1345 NORTHPORT DR. COLUMBUS, OH 43235 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| ABRAHAM CLU CHFC, W3 | 67780 BROKAW DRIVE ST CLAIRSVILLE, OH 43950 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | SECURITY LIFE INSURANCE COMPANY | $686 | $1K | $2K | 32.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INCORPORATED | 850 RIDGE AVE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $463 | — | $463 | 8.58% |
| JAMES DANIEL MARTINETTE3 | 2001 DECATUR AVE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $39 | $279 | 5.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $9 | $126 | 2.33% |
| RICHARD D BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 2.09% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $18 | $67 | 1.24% |
| PATRICIA G SPIES3 | 600 SOUTH MARSHALL ROAD MIDDLETOWN, OH 45044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.20% |
| CHARLES D MERS AND ASSOC3 | PO BOX 986 WESTERVILLE, OH 43086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | THE HEALTH PLAN | 344 | $1.5M |
| Life insurance | SECURITY LIFE INSURANCE COMPANY | 182 | $6K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 25 | $20K |
| Long-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 25 | $20K |
| Other(5 contracts, 4 carriers) | AFLAC | 118 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.