| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WISEMAN AGENCY INC.3 Filed as: WISEMAN AGENCY, INC. | 451 2ND AVENUE GALLIPOLIS, OH 45631 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | $0 | $21K | 1.51% |
| THE WISEMAN AGENCY INC.3 Filed as: WISEMAN AGENCY, INC. | 451 2ND AVENUE GALLIPOLIS, OH 45631 | SUPERIOR DENTAL CARE, INC. | $54K | $0 | $54K | 7.07% |
| THE WISEMAN AGENCY INC.3 Filed as: THE WISEMAN AGENCY, INC. | PO BOX 359 GALLIPOLIS, OH 45631 | VISION SERVICE PLAN | $19K | $0 | $19K | 3.99% |
| RONALD R. TOLER3 Filed as: RONALD R TOLER | 1564 STATE ROUTE 160 GALLIPOLIS, OH 45631 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $31K | $0 | $31K | 8.20% |
| CHRISTOPHER AM. TOLER3 Filed as: CHRISTOPHER AM TOLER | 1564 STATE ROUTE 160 GALLIPOLIS, OH 45631 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 3.58% |
| PATRICK F. THUECKS3 Filed as: PATRICK F THUECKS | TWO GALLERIA TOWER 13455 NOEL ROAD, 20TH FLOOR DALLAS, TX 75240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $635 | $5K | 1.27% |
| HARRIS S. FISHMAN3 Filed as: HARRIS S FISHMAN | 1000 CORPORATE DRIVE, SUITE 700 FORT LAUDERDALE, FL 33334 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.00% |
| ANTHONY SPATICHIA3 | 2 BALA PLAZA, SUITE 901 BALA CYNWYD, PA 19004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $543 | $3K | 0.66% |
| THE WISEMAN AGENCY INC.3 Filed as: THE WISEMAN AGENCY, INC. | PO BOX 359 451 2ND AVENUE GALLIPOLIS, OH 45631 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 20.00% |
| THE WISEMAN AGENCY INC.3 Filed as: THE WISEMAN AGENCY, INC. | PO BOX 359 451 2ND AVENUE GALLIPOLIS, OH 45631 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.15% |
| THE WISEMAN AGENCY INC.3 Filed as: THE WISEMAN AGENCY, INC. | PO BOX 359 451 2ND AVENUE GALLIPOLIS, OH 45631 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 20.00% |
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 | 2,222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE, INC. | 1,405 | $771K |
| Vision | VISION SERVICE PLAN | 1,417 | $472K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,723 | $1.5M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,723 | $1.4M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,723 | $1.8M |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,723 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,723 | — |
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.