| 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 | $29K | $720 | $30K | 4.02% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $19K | — | $19K | 2.61% |
| ERC SERVICES INC3 | 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 | $6K | $260 | $6K | 10.00% |
| MICHAEL MAGOTEAUX3 | 2250 CARDO RD FORT LORAMIE, OH 45845 | AFLAC | $2K | $52 | $2K | 2.93% |
| KELEY L JONES3 | PO BOX 68 QUINCY, OH 43343 | AFLAC | $743 | — | $743 | 1.29% |
| KYLE DUANE DAFLER3 | 2431 HAWKINS RD RICHMOND, IN 47374 | AFLAC | $652 | $52 | $704 | 1.22% |
| MATTHEW L CASTILLO3 | 2505 LOIS CT LOGANVILLE, GA 30052 | AFLAC | $266 | — | $266 | 0.46% |
| AMBER GREVE3 | 12150 WONES RD MAPLEWOOD, OH 45340 | AFLAC | $246 | — | $246 | 0.43% |
| MICHAEL R REBER3 | 20101 HERON CROSSING DR TAMPA, FL 33647 | AFLAC | $228 | — | $228 | 0.40% |
| KELLEY B MCCRAY3 | 2559 SUNSET MAPLE DR TIPP CITY, OH 45371 | AFLAC | $139 | — | $139 | 0.24% |
| GAYE SZABO3 | 687 LOXLEY LN TROY, OH 45373 | AFLAC | $138 | — | $138 | 0.24% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 1828 IRIS TRL WAYNESVILLE, OH 45068 | AFLAC | $122 | — | $122 | 0.21% |
| JERRY PERRY RUBIN3 | 69 MUIRFIELD DR BLUFFTON, SC 29909 | AFLAC | $97 | — | $97 | 0.17% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $96 | — | $96 | 0.17% |
| KEITH B FLETCHER3 | 9090 NORTH SPIKER RD PIQUA, OH 45356 | AFLAC | $94 | — | $94 | 0.16% |
| GERALD W THORNTON3 | 1001 BEAR ISLAND RD APT 404 SUMMERVILLE, SC 29483 | AFLAC | $88 | — | $88 | 0.15% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MICHAEL N RUTHERFORD | 837 DEERHURST DRIVE VANDALIA, OH 45377 | AFLAC | $87 | — | $87 | 0.15% |
| AARON ANSPACH LLC3 | 209 N MAIN ST 8TH FL LIMA, OH 45801 | AFLAC | $86 | — | $86 | 0.15% |
| EDWARD P WELLMAN3 | 18567 KENTNER RD BOTKINS, OH 45306 | AFLAC | $34 | — | $34 | 0.06% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $25 | — | $25 | 0.04% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $18 | — | $18 | 0.03% |
| MICHAEL J QUINN3 | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $18 | — | $18 | 0.03% |
| IAN B BRANYON3 | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | AFLAC | $17 | — | $17 | 0.03% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | AFLAC | $14 | — | $14 | 0.02% |
| GERALD BENDITZ3 | 2123 MATTHEWS RD CLAYTON, NC 27520 | AFLAC | $12 | — | $12 | 0.02% |
| DANIEL WAYNE BANKS3 Filed as: DANIEL BANKS | 7370 WATERWAY DR WAYNESVILLE, OH 45068 | AFLAC | $11 | — | $11 | 0.02% |
| PHILLIP A LECKEY3 | 951 RAYBERTA DR VANDALIA, OH 45377 | AFLAC | $11 | — | $11 | 0.02% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | AFLAC | $10 | — | $10 | 0.02% |
| DORIS B MANGELS KORLESKI3 | 932 COMANCHE LANE TIPP CITY, OH 45371 | AFLAC | $10 | — | $10 | 0.02% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $9 | — | $9 | 0.02% |
| WILLIAM M HURLEY3 Filed as: WILLIAM H ROBERTS | 3749 SACHEM AVE CINCINNATI, OH 45226 | AFLAC | $7 | — | $7 | 0.01% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $4 | — | $4 | 0.01% |
| ELLEN R SCHROEDER3 | 441 DUNEDIN WAY GLASGOW, KY 42141 | AFLAC | $4 | — | $4 | 0.01% |
| RYAN C MCCRAY3 | 2559 SUNSET MAPLE DR TIPP CITY, OH 45371 | AFLAC | $3 | — | $3 | 0.01% |
| JOHN C RASCHELLA3 | 20301 GRD OAK SH BLVD # 118-32 ESTERO, FL 33928 | AFLAC | $3 | — | $3 | 0.01% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $2 | — | $2 | 0.00% |
| MARK R DECKARD3 | 5298 FREDERICKS STAND SOUTH LEBANON, OH 45065 | AFLAC | $2 | — | $2 | 0.00% |
| TRACEY KEISER3 | 8181 E KAISER BLVD ANAHEIM, CA 92808 | AFLAC | $2 | — | $2 | 0.00% |
| GERALD BENDITZ3 | 1427 TUMBLING STONE WAY GARNER, NC 27529 | AFLAC | $2 | — | $2 | 0.00% |
| TRACEY KEISER3 | 8181 E KAISER BLVD ANAHEIM, CA 92808 | AFLAC | $2 | — | $2 | 0.00% |
| KANDACE M MCCARTHY3 | 304 CANTERFIELD PKWY W PO BOX 1047 WEST DUNDEE, IL 60118 | AFLAC | $1 | — | $1 | 0.00% |
| HERBERT P SHNIDER3 | 6192 MCNAUGHTEN GROVE LN COLUMBUS, OH 43213 | AFLAC | $1 | — | $1 | 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% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 409 E. MONUMENT AVE., STE. 400 DAYTON, OH 45402 | SUPERIOR DENTAL CARE, INC | $3K | — | $3K | 6.78% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $4K | $10K | 20.97% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $848 | $642 | $1K | 17.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GRPA MARSH & MCLENNAN | AGCY INC KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 63.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GRP A MARSH & MCLENNAN | AGCY INC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $153 | — | $153 | 15.03% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 184 | $794K |
| Dental(2 contracts, 2 carriers) | AFLAC | 141 | $103K |
| Vision | AFLAC | 82 | $58K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 174 | $112K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 82 | $76K |
| Other(3 contracts, 2 carriers) | AFLAC | 174 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.