| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 580 NORTH FOURTH STREET, SUITE 400 COLUMBUS, OH 432152153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 580 NORTH 4TH STREET, SUITE 400 COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.72% |
| KRISTY J FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | AFLAC | $11K | $0 | $11K | 7.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 720 PETE ROSE WAY, SUITE 400 CINCINNATI, OH 45202 | AFLAC | $8K | $0 | $8K | 5.40% |
| MJ INSURANCE3 Filed as: MARK E CASE AND VARIOUS AGENTS | 6821 WELLINGTON PLACE CASTLE PINES, CO 80108 | AFLAC | $4K | $0 | $4K | 2.93% |
| THOMAS FISHBACK3 | P O BOX 405 BATAVIA, OH 45103 | AFLAC | $3K | $0 | $3K | 2.09% |
| GROVE FINANCIAL LLC3 | 6482 SHAWNEE RUN ROAD CINCINNATI, OH 45243 | AFLAC | $2K | $0 | $2K | 1.45% |
| LORI ANN KNAB3 Filed as: LORI A KNAB | 3792 HUBBLE ROAD CINCINNATI, OH 45247 | AFLAC | $1K | $0 | $1K | 0.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 10 SOUTH LA SALLE STREET SUITE 3000 CHICAGO, IL 60603 | AFLAC | $1K | $0 | $1K | 0.94% |
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 | 656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,471 | $215K |
| Vision | EYEMED VISION CARE | 1,317 | $57K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 735 | $322K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 735 | $322K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 735 | $322K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 735 | $472K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,471 | — |
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.