| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | COMMUNITY INSURANCE COMPANY | $28K | $2K | $31K | 4.19% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $19K | $7 | $19K | 2.58% |
| ERC SERVICES INC3 Filed as: ERC SERVICESINC | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 0.16% |
| DANIA MARIE BARNHART3 | 1200 KISER LAKE RD SAINT PARIS, OH 43072 | AFLAC | $5K | $439 | $5K | 5.70% |
| DANIA MARIE BARNHART3 | 4997 STATE ROUTE 29 E SIDNEY, OH 45365 | AFLAC | $5K | $476 | $5K | 5.42% |
| MICHAEL MAGOTEAUX3 | 2250 CARDO RD FORT LORAMIE, OH 45845 | AFLAC | $3K | $183 | $3K | 3.07% |
| KELEY L JONES3 | PO BOX 68 QUINCY, OH 43343 | AFLAC | $1K | — | $1K | 1.33% |
| KYLE DUANE DAFLER3 | 2431 HAWKINS RD RICHMOND, IN 47374 | AFLAC | $1K | $96 | $1K | 1.23% |
| MATTHEW L CASTILLO3 | 2505 LOIS CT LOGANVILLE, GA 30052 | AFLAC | $429 | — | $429 | 0.45% |
| MICHAEL R REBER3 | 20101 HERON CROSSING DR TAMPA, FL 33647 | AFLAC | $380 | — | $380 | 0.40% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 1828 IRIS TRL WAYNESVILLE, OH 45068 | AFLAC | $275 | — | $275 | 0.29% |
| KELLEY B MCCRAY3 | 2559 SUNSET MAPLE DR TIPP CITY, OH 45371 | AFLAC | $258 | — | $258 | 0.27% |
| GAYE SZABO3 | 687 LOXLEY LN TROY, OH 45373 | AFLAC | $210 | — | $210 | 0.22% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $169 | — | $169 | 0.18% |
| JERRY PERRY RUBIN3 | 69 MUIRFIELD DR BLUFFTON, SC 29909 | AFLAC | $161 | — | $161 | 0.17% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MICHAEL N RUTHERFORD | 837 DEERHURST DRIVE VANDALIA, OH 45377 | AFLAC | $157 | — | $157 | 0.17% |
| GERALD W THORNTON3 | 129 HAZELTINE BND SUMMERVILLE, SC 29483 | AFLAC | $150 | — | $150 | 0.16% |
| KEITH B FLETCHER3 | 9090 NORTH SPIKER RD PIQUA, OH 45356 | AFLAC | $136 | — | $136 | 0.14% |
| EDWARD P WELLMAN3 | 18567 KENTNER RD BOTKINS, OH 45306 | AFLAC | $51 | — | $51 | 0.05% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $49 | — | $49 | 0.05% |
| IAN B BRANYON3 | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | AFLAC | $32 | — | $32 | 0.03% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $30 | — | $30 | 0.03% |
| MICHAEL J QUINN3 | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $26 | — | $26 | 0.03% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | AFLAC | $22 | — | $22 | 0.02% |
| RYAN C MCCRAY3 | 2559 SUNSET MAPLE DR TIPP CITY, OH 45371 | AFLAC | $19 | — | $19 | 0.02% |
| DANIEL WAYNE BANKS3 Filed as: DANIEL BANKS | 7370 WATERWAY DR WAYNESVILLE, OH 45068 | AFLAC | $18 | — | $18 | 0.02% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | AFLAC | $18 | — | $18 | 0.02% |
| DORIS B MANGELS KORLESKI3 | 932 COMANCHE LANE TIPP CITY, OH 45371 | AFLAC | $17 | — | $17 | 0.02% |
| GERALD BENDITZ3 | 2123 MATTHEWS RD CLAYTON, NC 27520 | AFLAC | $17 | — | $17 | 0.02% |
| PHILLIP A LECKEY3 | 951 RAYBERTA DR VANDALIA, OH 45377 | AFLAC | $16 | — | $16 | 0.02% |
| WILLIAM M HURLEY3 Filed as: WILLIAM H ROBERTS | 3749 SACHEM AVE CINCINNATI, OH 45226 | AFLAC | $15 | — | $15 | 0.02% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $14 | — | $14 | 0.01% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $7 | — | $7 | 0.01% |
| ELLEN R SCHROEDER3 | 441 DUNEDIN WAY GLASGOW, KY 42141 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN C RASCHELLA3 | 20301 GRD OAK SH BLVD # 118-32 ESTERO, FL 33928 | AFLAC | $5 | — | $5 | 0.01% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $3 | — | $3 | 0.00% |
| MARK R DECKARD3 | 5298 FREDERICKS STAND SOUTH LEBANON, OH 45065 | AFLAC | $3 | — | $3 | 0.00% |
| TRACEY KEISER3 | 8181 E KAISER BLVD ANAHEIM, CA 92808 | AFLAC | $3 | — | $3 | 0.00% |
| KANDACE M MCCARTHY3 | 304 CANTERFIELD PKWY W PO BOX 1047 WEST DUNDEE, IL 60118 | AFLAC | $2 | — | $2 | 0.00% |
| HERBERT P SHNIDER3 | 6192 MCNAUGHTEN GROVE LN COLUMBUS, OH 43213 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN D PETTIGREW3 | 1620 COHASSET DR CINCINNATI, OH 45255 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN D PETTIGREW3 | 3057 FOX DEN LANE CINCINNATI, OH 45244 | AFLAC | $1 | — | $1 | 0.00% |
| TRACEY KEISER3 | 400 S PERALTA HILLS DR ANAHEIM, CA 92807 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 13.10% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $869 | — | $869 | 10.00% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 188 | $830K |
| Dental | AFLAC | 118 | $95K |
| Vision | AFLAC | 118 | $95K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 160 | $147K |
| Short-term disability | AFLAC | 118 | $95K |
| Other(3 contracts, 2 carriers) | AFLAC | 160 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.