| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL OF OHIO | $30K | $5K | $35K | 15.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORP. | — | $3K | $3K | 4.62% |
| USI INSURANCE SERVICES LLC3 | 5455 RINGS ROAD SUITE 250 DUBLIN, OH 43017 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 4.15% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $207 | $3K | 16.34% |
| SHERRI LYNN BUCHANAN3 | 815 SAVANNAH DRIVE COLUMBUS, OH 43228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | $104 | $434 | 2.27% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET CINCINNATI, OH 45202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $4 | $77 | 0.40% |
| PAUL GRAUER3 | 2190 DRUMLIN DRIVE DUBLIN, OH 43123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.36% |
| MICHAEL WOJTASZEK3 | 453 PATRIOT ROAD GALLIPOLIS, OH 45631 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.21% |
| HOWARD B MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.21% |
| JENNIFER LOEFFLER3 | 4455 MASON ROAD CANAL WINCHESTER, OH 43110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $435 | $2K | 19.08% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | -$1 | -$1 | -0.01% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMNSTRS INC | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | -$1 | -$1 | -0.01% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $559 | $13 | $572 | 6.99% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET CINCINNATI, OH 45202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $4 | $81 | 0.99% |
| SHERRIE LYNN BUCHANAN3 | 815 SAVANNAH DR COLUMBUS, OH 43228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $11 | $45 | 0.55% |
| HOWARD B MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.45% |
| DIANA RAUCH3 | 2914 W CASE RD DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL OF OHIO | $755 | $315 | $1K | 16.78% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $503 | — | $503 | 15.00% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DR DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $13 | $195 | 15.59% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST CINCINNATI, OH 45202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $4 | $91 | 7.27% |
| DAVID JORDAN SCHAFER3 | 5538 BLUE LAGOON LN HILLIARD, OH 43026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 4.16% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO4 Filed as: INTEGRATED EMPLOYEE BENEFITS LLC | 5880 VENTURE DR STE C DUBLIN, OH 43017 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $374 | — | $374 | 35.52% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | $7 | $112 | 17.05% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET CINCINNATI, OH 45202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $2 | $50 | 7.61% |
| DAVID JORDAN SCHAFER3 | 5538 BLUE LAGOON LN HILLIARD, OH 43026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 5.63% |
| JENNIFER LOEFFLER3 | 4455 MASON ROAD CANAL WINCHESTER, OH 43110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 1.37% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO4 Filed as: INTEGRATED EMPLOYEE BENEFITS LLC | 5880 VENTURE DR STE C DUBLIN, OH 43017 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $215 | — | $215 | 39.67% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO4 Filed as: INTEGRATED EMPLOYEE BENEFITS LLC | 5880 VENTURE DR STE C DUBLIN, OH 43017 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $101 | — | $101 | 39.61% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO4 Filed as: INTEGRATED EMPLOYEE BENEFITS LLC | 5880 VENTURE DR STE C DUBLIN, OH 43017 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $76 | — | $76 | 39.79% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO4 Filed as: INTEGRATED EMPLOYEE BENEFITS LLC | 5880 VENTURE DR STE C DUBLIN, OH 43017 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $14 | — | $14 | 7.33% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 255 | $67K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 255 | $67K |
| Life insurance | MEDICAL MUTUAL OF OHIO | 133 | $6K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 127 | $231K |
| Other(12 contracts, 5 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 133 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.