| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC. | 850 RIDGE AVE. PITTSBURGH, PA 15212 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $75K | $75K | 2.91% |
| MARY ANN WILLIAMS3 | 6661 KUGLER MILL ROAD CINCINNATI, OH 45236 | AFLAC | $3K | $33 | $3K | 6.11% |
| SHANA WOLF3 | 11260 CHESTER ROAD STE 500 CINCINNATI, OH 45246 | AFLAC | $694 | $7 | $701 | 1.41% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $399 | — | $399 | 0.80% |
| GREGORY W EVERSOLE3 | 4095 HAMILTON EATON RD HAMILTON, OH 45011 | AFLAC | $354 | — | $354 | 0.71% |
| JANET L LORD3 | 311 N VINE ST HARRISON, OH 45030 | AFLAC | $333 | — | $333 | 0.67% |
| MATTHEW SMITH3 | 7905 TANCES DR CINCINNATI, OH 45243 | AFLAC | $207 | — | $207 | 0.42% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 6324 TARTON FIELDS LN MASON, OH 45040 | AFLAC | $193 | $7 | $200 | 0.40% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD SUITE 500 WEST CHESTER, OH 45069 | AFLAC | $84 | — | $84 | 0.17% |
| JAIME MASON GAUDET3 | 11260 CHESTER RD STE 500 CINCINNATI, OH 45246 | AFLAC | $51 | — | $51 | 0.10% |
| CARLA CARR3 | PO BOX 176603 FORT MITCHELL, KY 41017 | AFLAC | $46 | — | $46 | 0.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: KELLY WILLIS | 5372 COTTAGE VIEW CT LIBERTY TWP, OH 45011 | AFLAC | $26 | — | $26 | 0.05% |
| LEE KRAUS3 Filed as: LEE J KRAUS | 1382 IRONWOOD DR LEBANON, OH 45036 | AFLAC | $20 | — | $20 | 0.04% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | AFLAC | $17 | — | $17 | 0.03% |
| INGER M PENNINGTON3 | 242 W TANSEY XING WESTFIELD, IN 46074 | AFLAC | $17 | — | $17 | 0.03% |
| CHRISTOPHER D BOULDREY3 | 340 WOOD HILLS DR CONCORD, MI 49237 | AFLAC | $17 | — | $17 | 0.03% |
| MICHELE C KRAUS3 | 1382 IRONWOOD DR LEBANON, OH 45036 | AFLAC | $16 | — | $16 | 0.03% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | AFLAC | $13 | — | $13 | 0.03% |
| WILLIAM M HURLEY3 Filed as: WILLIAM H ROBERTS | 3749 SACHEM AVE CINCINNATI, OH 45226 | AFLAC | $10 | — | $10 | 0.02% |
| MARLENE GUTTMAN3 | 9201 SHALLOW CREEK DR LOVELAND, OH 45140 | AFLAC | $6 | — | $6 | 0.01% |
| LISA WINTRODE3 | 309 DOGWOOD DR DANVILLE, VA 24541 | AFLAC | $0 | — | $0 | 0.00% |
| RUTH P YOUNG3 Filed as: RUTH YOUNG | 677 BERKMAR CT CHARLOTTESVILLE, VA 22901 | AFLAC | $0 | — | $0 | 0.00% |
| THOMAS E HATCHER JR3 Filed as: THOMAS HATCHER SR | 717 GREEN VALLEY RD., STE 200 GREENSBORO, NC 27408 | AFLAC | $0 | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| LEE KRAUS3 | 1382 IRONWOOD DRIVE LEBANON, OH 45036 | CONTINENTAL INSURANCE COMPANY | $336 | — | $336 | 2.89% |
| GREG W EVERSOLE3 | 4095 HAMILTON ROAD HAMILTON, OH 45011 | CONTINENTAL INSURANCE COMPANY | $268 | — | $268 | 2.30% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | 1801 TOWER DR UNIT 317 GLENVIEW, IL 60026 | CONTINENTAL INSURANCE COMPANY | $149 | — | $149 | 1.28% |
| BARRY SMITH3 | 1751 COURTLAND AVENUE NORWOOD, OH 45212 | CONTINENTAL INSURANCE COMPANY | $97 | — | $97 | 0.83% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL INSURANCE COMPANY | $75 | — | $75 | 0.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: KELLY S WILLIS | 5372 COTTAGE VIEW COURT LIBERTY TOWNSHIP, OH 45011 | CONTINENTAL INSURANCE COMPANY | $41 | — | $41 | 0.35% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL INSURANCE COMPANY | $17 | — | $17 | 0.15% |
| SHAWN M MCDERMOTT3 Filed as: SHAWN MCDERMOTT | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| INGER M PENNINGTON3 Filed as: INGER PENNINGTON | 1108 BROOKE AVE CINCINNATI, OH 45230 | CONTINENTAL INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INCORPORATED | 850 RIDGE AVE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | — | $305 | 3.65% |
| JAMES DANIEL MARTINETTE3 | 2001 DECATUR AVE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $2 | $150 | 1.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $8 | $133 | 1.59% |
| RICHARD D BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | 0.96% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY SLATER | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $3 | $37 | 0.44% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANNETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.11% |
| 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 | ONE AMERICA | $569 | — | $569 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INCORPORATED | 850 RIDGE AVE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 3.92% |
| JAMES DANIEL MARTINETTE3 | 2001 DECATUR AVE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $2 | $101 | 2.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $13 | $81 | 1.72% |
| RICHARD D BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.85% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $4 | $35 | 0.74% |
| CHARLES D MERS AND ASSOC3 | PO BOX 986 WESTERVILLE, OH 43086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| PATRICIA G SPIES3 Filed as: PATRICIA SPIES | 600 SOUTH MARSHALL ROAD MIDDLETOWN, OH 45044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 167 | $2.6M |
| Life insurance | ONE AMERICA | 229 | $6K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 15 | $13K |
| Long-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 15 | $13K |
| Other(5 contracts, 4 carriers) | AFLAC | 111 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
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.