| 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 | $0 | $75K | $75K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 480 EAST SWEDESFORD RD, SUITE 200 WAYNE, PA 19087 | GUARDIAN | $4K | — | $4K | 5.83% |
| INDEPENDENCE PLANNING GROUP3 | 758 E HIGH ST POTTSTOWN, PA 19464 | GUARDIAN | $147 | — | $147 | 0.22% |
| MAZZMAR LLC3 | 1767 SENTRY PKWY, STE 200 BLUE BELL, PA 19422 | GUARDIAN | $10 | — | $10 | 0.02% |
| MARY ANN WILLIAMS3 | 6661 KUGLER MILL ROAD CINCINNATI, OH 45236 | AFLAC | $3K | $91 | $3K | 6.57% |
| SHANA WOLF3 | 11260 CHESTER ROAD STE 500 CINCINNATI, OH 45246 | AFLAC | $645 | $21 | $666 | 1.64% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $297 | — | $297 | 0.73% |
| GREGORY W EVERSOLE3 | 4095 HAMILTON EATON RD HAMILTON, OH 45011 | AFLAC | $289 | — | $289 | 0.71% |
| MATTHEW SMITH3 | 7905 TANCES DR CINCINNATI, OH 45243 | AFLAC | $234 | $21 | $255 | 0.63% |
| JANET L LORD3 | 311 N VINE ST HARRISON, OH 45030 | AFLAC | $245 | — | $245 | 0.60% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 6324 TARTON FIELDS LN MASON, OH 45040 | AFLAC | $145 | $0 | $145 | 0.36% |
| JASON HILDEBRAN3 | 6352 MARBURN DR INDIANAPOLIS, IN 46227 | AFLAC | $113 | $14 | $127 | 0.31% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD SUITE 500 WEST CHESTER, OH 45069 | AFLAC | $63 | — | $63 | 0.16% |
| CANDACE Y HILDEBRAN3 Filed as: CANDACE HILDEBRAN | 6352 MARBURN DR INDIANAPOLIS, IN 46227 | AFLAC | $40 | $10 | $50 | 0.12% |
| JAIME MASON GAUDET3 | 11260 CHESTER RD STE 500 CINCINNATI, OH 45246 | AFLAC | $39 | — | $39 | 0.10% |
| RICK MCPHERSON3 | 6352 MARBURN DR. INDIANAPOLIS, IN 46227 | AFLAC | $22 | $10 | $32 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: KELLY WILLIS | 5372 COTTAGE VIEW CT LIBERTY TWP, OH 45011 | AFLAC | $26 | — | $26 | 0.06% |
| LEE KRAUS3 Filed as: LEE J KRAUS | 1382 IRONWOOD DR LEBANON, OH 45036 | AFLAC | $20 | — | $20 | 0.05% |
| MICHELE C KRAUS3 | 1382 IRONWOOD DR LEBANON, OH 45036 | AFLAC | $15 | — | $15 | 0.04% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | AFLAC | $13 | — | $13 | 0.03% |
| CHRISTOPHER D BOULDREY3 | 340 WOOD HILLS DR CONCORD, MI 49237 | AFLAC | $13 | — | $13 | 0.03% |
| INGER M PENNINGTON3 | 242 W TANSEY XING WESTFIELD, IN 46074 | AFLAC | $12 | — | $12 | 0.03% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | AFLAC | $10 | — | $10 | 0.02% |
| WILLIAM M HURLEY3 Filed as: WILLIAM H ROBERTS | 3749 SACHEM AVE CINCINNATI, OH 45226 | AFLAC | $7 | — | $7 | 0.02% |
| MARLENE GUTTMAN3 | 9201 SHALLOW CREEK DR LOVELAND, OH 45140 | AFLAC | $6 | — | $6 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INCORPORATED | 850 RIDGE AVE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 11.77% |
| JAMES DANIEL MARTINETTE3 | 2001 DECATUR AVE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $4 | $2K | 9.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $560 | $104 | $664 | 3.86% |
| RICHARD D BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $569 | $0 | $569 | 3.30% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY SLATER | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | $51 | $288 | 1.67% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANNETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $7 | $7 | 0.04% |
| CBF BENEFITS INC3 | 1309 HIDDEN HARBOR RD MYRTLE BEACH, SC 29577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.03% |
| NORTHWEST ENROLLX LLC3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.03% |
| 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 | $0 | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | ONE AMERICA | $795 | — | $795 | 9.99% |
| 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% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $2.5M |
| Dental | GUARDIAN | 157 | $66K |
| Vision | GUARDIAN | 157 | $66K |
| Life insurance | ONE AMERICA | 238 | $8K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 18 | $22K |
| Long-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 18 | $22K |
| Other(4 contracts, 3 carriers) | AFLAC | 113 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.