| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY | $21K | $3K | $24K | 1.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | COMMUNITY INSURANCE COMPANY | $22K | — | $22K | 1.05% |
| MARY ANN WILLIAMS3 | 6661 KUGLER MILL ROAD CINCINNATI, OH 45236 | AFLAC | $1K | — | $1K | 2.59% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $641 | — | $641 | 1.40% |
| GREGORY W EVERSOLE3 | 4095 HAMILTON EATON RD HAMILTON, OH 45011 | AFLAC | $508 | — | $508 | 1.11% |
| JANET L LORD3 | 311 N VINE ST HARRISON, OH 45030 | AFLAC | $487 | — | $487 | 1.06% |
| MICHELE C KRAUS3 | 1382 IRONWOOD DR LEBANON, OH 45036 | AFLAC | $144 | — | $144 | 0.31% |
| LEE KRAUS3 Filed as: LEE J KRAUS | 1382 IRONWOOD DR LEBANON, OH 45036 | AFLAC | $140 | — | $140 | 0.31% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD SUITE 500 WEST CHESTER, OH 45069 | AFLAC | $134 | — | $134 | 0.29% |
| CARLA CARR3 | PO BOX 176603 FORT MITCHELL, KY 41017 | AFLAC | $64 | — | $64 | 0.14% |
| JAMES J GRETHEL3 Filed as: JAMES GRETHEL | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $59 | — | $59 | 0.13% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | AFLAC | $36 | — | $36 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: KELLY WILLIS | 5372 COTTAGE VIEW CT LIBERTY TWP, OH 45011 | AFLAC | $28 | — | $28 | 0.06% |
| INGER M PENNINGTON3 | 242 W TANSEY XING WESTFIELD, IN 46074 | AFLAC | $28 | — | $28 | 0.06% |
| CHRISTOPHER D BOULDREY3 | 340 WOOD HILLS DR CONCORD, MI 49237 | AFLAC | $26 | — | $26 | 0.06% |
| WILLIAM M HURLEY3 Filed as: WILLIAM H ROBERTS | 3749 SACHEM AVE CINCINNATI, OH 45226 | AFLAC | $23 | — | $23 | 0.05% |
| LISA WINTRODE3 | 309 DOGWOOD DR DANVILLE, VA 24541 | AFLAC | $19 | — | $19 | 0.04% |
| MARLENE GUTTMAN3 | 9201 SHALLOW CREEK DR LOVELAND, OH 45140 | AFLAC | $18 | — | $18 | 0.04% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | AFLAC | $18 | — | $18 | 0.04% |
| 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 | 0.02% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $1 | — | $1 | 0.00% |
| LEE KRAUS3 | 1382 IRONWOOD DRIVE LEBANON, OH 45036 | CONTINENTAL INSURANCE COMPANY | $553 | — | $553 | 2.90% |
| GREG W EVERSOLE3 | 4095 HAMILTON ROAD HAMILTON, OH 45011 | CONTINENTAL INSURANCE COMPANY | $444 | — | $444 | 2.33% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | 1801 TOWER DR UNIT 317 GLENVIEW, IL 60026 | CONTINENTAL INSURANCE COMPANY | $242 | — | $242 | 1.27% |
| BARRY SMITH3 | 1751 COURTLAND AVENUE NORWOOD, OH 45212 | CONTINENTAL INSURANCE COMPANY | $142 | — | $142 | 0.74% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL INSURANCE COMPANY | $127 | — | $127 | 0.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: KELLY S WILLIS | 5372 COTTAGE VIEW COURT LIBERTY TOWNSHIP, OH 45011 | CONTINENTAL INSURANCE COMPANY | $80 | — | $80 | 0.42% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL INSURANCE COMPANY | $27 | — | $27 | 0.14% |
| SHAWN M MCDERMOTT3 Filed as: SHAWN MCDERMOTT | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| INGER M PENNINGTON3 Filed as: INGER PENNINGTON | 1108 BROOKE AVE CINCINNATI, OH 45230 | CONTINENTAL INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INCORPORATED | 850 RIDGE AVE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $618 | — | $618 | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $254 | $7 | $261 | 1.48% |
| JAMES DANIEL MARTINETTE3 | 2001 DECATUR AVE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | $15 | $240 | 1.36% |
| RICHARD D BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $2 | $140 | 0.79% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY SLATER | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $5 | $82 | 0.46% |
| CHARLES D MERS AND ASSOC3 | PO BOX 986 WESTERVILLE, OH 43086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| DEEANN GREENE-MARSZALEK3 | 409 N. 20TH ST WEIRTON, WV 26062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| WILLIAM E GOOD3 Filed as: WILLIAM GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| TONI PAULLUS3 | 1345 NORTHPORT DR. COLUMBUS, OH 43235 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $962 | — | $962 | 7.52% |
| ABRAHAM CLU CHFC, W3 | 67780 BROKAW DRIVE ST CLAIRSVILLE, OH 43950 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $958 | — | $958 | 7.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $604 | — | $604 | 5.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | ANTHEM LIFE INSURANCE COMPANY | $375 | — | $375 | 3.18% |
| BROKERNET INC3 | 110 NORTHWOODS BLVD, STE C COLUMBUS, OH 43235 | ANTHEM LIFE INSURANCE COMPANY | $113 | — | $113 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INCORPORATED | 850 RIDGE AVE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | — | $187 | 2.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 1.27% |
| JAMES DANIEL MARTINETTE3 | 2001 DECATUR AVE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.86% |
| RICHARD D BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.54% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.40% |
| CHARLES D MERS AND ASSOC3 | PO BOX 986 WESTERVILLE, OH 43086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 158 | $2.1M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 195 | $12K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 24 | $25K |
| Long-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 24 | $25K |
| Other(5 contracts, 4 carriers) | AFLAC | 120 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.