| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED FINANCIAL PLANNING AGCY | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | MEDICAL MUTUAL OF OHIO | $15K | $4K | $18K | 3.64% |
| T R HEDGE AND ASSOCIATES3 | 63 CORBINS MILL DRIVE DUBLIN, OH 43017 | MEDICAL MUTUAL OF OHIO | $4 | — | $4 | 0.00% |
| TR HEDGE & ASSOCIATES3 Filed as: T R HEDGE & ASSOC INC | 63 CORBINS MILL DRIVE DUBLIN, OH 43017 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 6.50% |
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED FINANCIAL | — | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 4.39% |
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED FINANCIAL PLANNING INC | — | COMMUNITY INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED BENEFIT COMMUNICATION SP | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $457 | $15K | 44.41% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $821 | $3K | 8.86% |
| ROBERT H FOSTER3 | 8604 ABBOT COVE AVENUE GALLOWAY, OH 43119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.43% |
| JEFFREY S PIERCE LLC3 | PO BOX 1175 WORTHINGTON, OH 43085 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.19% |
| MICHAEL HORN3 | 5880 VENTURE DRIVE DUBLIN, OH 43117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $750 | $106 | $856 | 2.50% |
| HOWARD B MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $365 | $41 | $406 | 1.19% |
| JENNIFER LOEFFLER3 | 4455 MASON ROAD CANAL WINCHESTER, OH 43110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $287 | $28 | $315 | 0.92% |
| LISA R CANFIELD3 | 324 STRAW COURT PATASKALA, OH 43062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $191 | $63 | $254 | 0.74% |
| GILBERT TSCHUDY3 | 725 NORTH WOOD STREET LOGAN, OH 43138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $134 | $67 | $201 | 0.59% |
| MARK CHRISTOPHER MOTZ3 | 85 EPERNAY AVENUE PATASKALA, OH 43062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $188 | $4 | $192 | 0.56% |
| SHERRIE LYNN BUCHANAN3 | 815 SAVANNAH DRIVE COLUMBUS, OH 43228 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $92 | $13 | $105 | 0.31% |
| JEROME LACHAT3 | 7322 NORTH MAIN STREET DAYTON, OH 45415 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.09% |
| ACCELERATED FINANCIAL PLANNING3 | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $300 | — | $300 | 6.08% |
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 | 84 | 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) | 85 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 61 | $501K |
| Dental | COMMUNITY INSURANCE COMPANY | 61 | $39K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 96 | $5K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 102 | $63K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 102 | $63K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 102 | $63K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 102 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.