| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TR HEDGE & ASSOCIATES3 Filed as: TR HEDGE & ASSOC INC | 63 CORBINS MILL DRIVE DUBLIN, OH 43017 | SUN LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | 10.91% |
| T R HEDGE AND ASSOCIATES3 Filed as: T R HEDGE & ASSOCIATES INC | 63 CORBIN MILLS DRIVE DUBLIN, OH 43017 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $987 | $4K | 6.44% |
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | PRINCIPAL LIFE INSURANCE COMPANY | $369 | — | $369 | 0.66% |
| JOHN G CURTIS3 | 1103 SCHROCK ROAD SUITE 201 COLUMBUS, OH 43229 | AFLAC | $282 | — | $282 | 4.00% |
| MICKLEY CONSULTING LLC3 | 1103 SCHROCK ROAD SUITE 201 COLUMBUS, OH 43229 | AFLAC | $221 | — | $221 | 3.13% |
| ROBERT P HARE3 | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | AFLAC | $63 | — | $63 | 0.89% |
| KIMBERLY NIETO3 | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | AFLAC | $57 | — | $57 | 0.81% |
| JAMES A BURRESS3 | 6418 FAYBOROUGH COURT DUBLIN, OH 43016 | AFLAC | $35 | — | $35 | 0.50% |
| ROBERT T WRIGHT3 | 3980 CORBY STREET NORTHWEST UNIONTOWN, OH 44685 | AFLAC | $30 | — | $30 | 0.43% |
| PAULA C. FRIZZELL3 Filed as: PAULA G CUTTER | 1795 ALYSHEBA WAY SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $27 | — | $27 | 0.38% |
| JULIA RUPERT3 | 4743 COOLBROOK DRIVE HILLIARD, OH 43026 | AFLAC | $19 | — | $19 | 0.27% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY BUILDING 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $13 | — | $13 | 0.18% |
| QUINN, MEYER & ASSOCIATES3 Filed as: QUINN MEYER & ASSOCIATES | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $9 | — | $9 | 0.13% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $7 | — | $7 | 0.10% |
| HARE AND ASSOCIATES LLC3 | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | AFLAC | $4 | — | $4 | 0.06% |
| TR HEDGE & ASSOCIATES3 Filed as: TR HEDGE & ASSOC INC | 63 CORBINS MILL DRIVE DUBLIN, OH 43017 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $345 | — | $345 | 5.12% |
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $63 | — | $63 | 0.93% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 73 | $56K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 116 | $7K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 116 | $62K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 116 | $62K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 116 | $62K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 116 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.