| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | COMMUNITY INSURANCE COMPANY | $39K | — | $39K | 1.52% |
| MARY ANN WILLIAMS3 | 6661 KUGLER MILL ROAD CINCINNATI, OH 45236 | AFLAC | $4K | $17 | $4K | 9.24% |
| SHANA WOLF3 | 11260 CHESTER ROAD STE 500 CINCINNATI, OH 45246 | AFLAC | $577 | — | $577 | 1.36% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $489 | — | $489 | 1.16% |
| GREGORY W EVERSOLE3 | 4095 HAMILTON EATON RD HAMILTON, OH 45011 | AFLAC | $403 | — | $403 | 0.95% |
| JANET L LORD3 | 311 N VINE ST HARRISON, OH 45030 | AFLAC | $376 | — | $376 | 0.89% |
| JAIME MASON GAUDET3 | 11260 CHESTER RD STE 500 CINCINNATI, OH 45246 | AFLAC | $310 | — | $310 | 0.73% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 6324 TARTON FIELDS LN MASON, OH 45040 | AFLAC | $173 | — | $173 | 0.41% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD SUITE 500 WEST CHESTER, OH 45069 | AFLAC | $102 | — | $102 | 0.24% |
| MICHELE C KRAUS3 | 1382 IRONWOOD DR LEBANON, OH 45036 | AFLAC | $93 | — | $93 | 0.22% |
| LEE KRAUS3 Filed as: LEE J KRAUS | 1382 IRONWOOD DR LEBANON, OH 45036 | AFLAC | $93 | — | $93 | 0.22% |
| CARLA CARR3 | PO BOX 176603 FORT MITCHELL, KY 41017 | AFLAC | $54 | — | $54 | 0.13% |
| JAMES J GRETHEL3 Filed as: JAMES GRETHEL | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $38 | — | $38 | 0.09% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | AFLAC | $26 | — | $26 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: KELLY WILLIS | 5372 COTTAGE VIEW CT LIBERTY TWP, OH 45011 | AFLAC | $24 | — | $24 | 0.06% |
| INGER M PENNINGTON3 | 242 W TANSEY XING WESTFIELD, IN 46074 | AFLAC | $21 | — | $21 | 0.05% |
| CHRISTOPHER D BOULDREY3 | 340 WOOD HILLS DR CONCORD, MI 49237 | AFLAC | $20 | — | $20 | 0.05% |
| WILLIAM M HURLEY3 Filed as: WILLIAM H ROBERTS | 3749 SACHEM AVE CINCINNATI, OH 45226 | AFLAC | $16 | — | $16 | 0.04% |
| LISA WINTRODE3 | 309 DOGWOOD DR DANVILLE, VA 24541 | AFLAC | $16 | — | $16 | 0.04% |
| MARLENE GUTTMAN3 | 9201 SHALLOW CREEK DR LOVELAND, OH 45140 | AFLAC | $15 | — | $15 | 0.04% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | AFLAC | $14 | — | $14 | 0.03% |
| RUTH P YOUNG3 Filed as: RUTH YOUNG | 677 BERKMAR CT CHARLOTTESVILLE, VA 22901 | AFLAC | $9 | — | $9 | 0.02% |
| THOMAS E HATCHER JR3 Filed as: THOMAS HATCHER SR | 717 GREEN VALLEY RD., STE 200 GREENSBORO, NC 27408 | AFLAC | $6 | — | $6 | 0.01% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $1 | — | $1 | 0.00% |
| LEE KRAUS3 | 1382 IRONWOOD DRIVE LEBANON, OH 45036 | CONTINENTAL INSURANCE COMPANY | $488 | — | $488 | 2.88% |
| GREG W EVERSOLE3 | 4095 HAMILTON ROAD HAMILTON, OH 45011 | CONTINENTAL INSURANCE COMPANY | $385 | — | $385 | 2.27% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | 1801 TOWER DR UNIT 317 GLENVIEW, IL 60026 | CONTINENTAL INSURANCE COMPANY | $214 | — | $214 | 1.26% |
| BARRY SMITH3 | 1751 COURTLAND AVENUE NORWOOD, OH 45212 | CONTINENTAL INSURANCE COMPANY | $143 | — | $143 | 0.84% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL INSURANCE COMPANY | $113 | — | $113 | 0.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: KELLY S WILLIS | 5372 COTTAGE VIEW COURT LIBERTY TOWNSHIP, OH 45011 | CONTINENTAL INSURANCE COMPANY | $63 | — | $63 | 0.37% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL INSURANCE COMPANY | $24 | — | $24 | 0.14% |
| 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 | $342 | — | $342 | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 1.11% |
| RICHARD D BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.49% |
| JAMES DANIEL MARTINETTE3 | 2001 DECATUR AVE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.47% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY SLATER | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.33% |
| PATRICIA G SPIES3 Filed as: PATRICIA SPIES | 600 SOUTH MARSHALL ROAD MIDDLETOWN, OH 45044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.16% |
| CHARLES D MERS AND ASSOC3 | PO BOX 986 WESTERVILLE, OH 43086 | 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% |
| WILLIAM E GOOD3 Filed as: WILLIAM GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| 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 | $2K | $128 | $2K | 16.06% |
| 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 | $159 | — | $159 | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 1.18% |
| JAMES DANIEL MARTINETTE3 | 2001 DECATUR AVE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.78% |
| RICHARD D BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.49% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.35% |
| PATRICIA G SPIES3 Filed as: PATRICIA SPIES | 600 SOUTH MARSHALL ROAD MIDDLETOWN, OH 45044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.15% |
| 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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 149 | $2.6M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 195 | $12K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 20 | $21K |
| Long-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 20 | $21K |
| Other(5 contracts, 4 carriers) | AFLAC | 121 | $93K |
| 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."
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.