| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY, INC. | PO BOX 2038 POWELL, OH 43065 | DELTA DENTAL OF OHIO | $0 | $0 | $0 | 0.00% |
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY, INC. | PO BOX 2038 POWELL, OH 43065 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $13K | $13K | 6.43% |
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY, INC. | PO BOX 2038 POWELL, OH 43065 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.66% |
| MILESTONE BENEFITS AGENCY INC3 | PO BOX 2038 POWELL, OH 43065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.72% |
| SHAWN M THEIS3 | 3309 WESTERVILLE WOODS DR COLUMBUS, OH 43231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.27% |
| JOHN D SUSIE3 | 8682 HAWICK CT N DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.24% |
| JOHNNY HENSLEY JR3 Filed as: JOHNNY HENSLEY, JR | 975 SAUTTER DRIVE MANSFIELD, OH 44904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.92% |
| JAMES A BURRESS3 | 445 HUTCHINSON AVE COLUMBUS, OH 43235 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.92% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA L MANY | 319 S MAIN ST NORTH STAR, MI 48862 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.88% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOCIATESLLC | 470 OLDE WORTHINGTON RD SUITE 250 WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $663 | $0 | $663 | 0.56% |
| MARCUS WAYNE MCREE3 Filed as: MARCUS MCREE | 763 WOODCREEK CT APT 101 YPSILANTI, OH 48198 | CONTINENTAL AMERICAN INSURANCE COMPANY | $539 | — | $539 | 0.45% |
| AMBER D STEIN3 | 2740 AIRPORT DR COLUMBUS, OH 43219 | CONTINENTAL AMERICAN INSURANCE COMPANY | $316 | $0 | $316 | 0.27% |
| BARBARA MOOK3 | 2407 SUNLADEN DRIVE GROVE CITY, OH 43123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $292 | $0 | $292 | 0.25% |
| JEREMY D NELSON3 | 474 CHERRY RD GAHANNA, OH 43230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291 | — | $291 | 0.24% |
| RONALD J STEIN3 | 14966 ROBBINS ROAD JOHNSTOWN, OH 43031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $259 | $0 | $259 | 0.22% |
| ARVILLA CAUDY3 | 544 S CHAMPION AVE COLUMBUS, OH 43205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $246 | — | $246 | 0.21% |
| CARL J HOWINGTON3 | 5389 HARVEST WOOD LANE GAHANNA, OH 43230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | — | $216 | 0.18% |
| JACK A SHADE | 470 OLDE WORTHINGTON RD STE 250 WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $214 | — | $214 | 0.18% |
| KIMBERLY NIETO3 Filed as: KIMBERLY K NIETO | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | — | $202 | 0.17% |
| TERRI J BUTLER3 | 1052 BEDDINGFIELD PLACE WESTERVILLE, OH 43081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $200 | — | $200 | 0.17% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 7814 CRAINDOW CT DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | $0 | $179 | 0.15% |
| MARKUS MUELLER3 | 633 NE MUSKRAT RUN PORT ST LUCIE, FL 34983 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | $0 | $174 | 0.15% |
| STEVE NIETO3 | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $167 | $0 | $167 | 0.14% |
| PAULA GAIL NEAL3 Filed as: PAULA C CUTTER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 0.10% |
| OPPORTUNITY INC3 Filed as: OPPORTUNITY, INC. | 9404 WOODCHIP LANE BROADVIEW HTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.03% |
| JOHN D SUSIE3 | 8682 HAWICK CT N DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 0.03% |
| ELFRIEDA HOHEISEL3 | 947 CREEK RUN CT WESTERVILLE, OH 43081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY, INC. | PO BOX 2038 POWELL, OH 43065 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 6.42% |
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY, INC. | PO BOX 2038 POWELL, OH 43065 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 6.47% |
| MILESTONE BENEFITS AGENCY INC3 Filed as: MILESTONE BENEFITS AGENCY, INC. | PO BOX 2038 POWELL, OH 43065 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 21.41% |
| UNITED OF OMAHA LIFE INSURANCE CO Filed as: UNITED OF OMAHA LIFE INSURANCE COMP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | — |
| MILESTONE BENEFITS AGENCY INC3 | PO BOX 2038 POWELL, OH 43065 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $193 | $193 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $481K |
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 | 687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,376 | $379K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,398 | $89K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 687 | $255K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 582 | $276K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 687 | $87K |
| Stop-loss / reinsurancereinsurance(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 1,239 | $1.2M |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 687 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,398 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.