| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: HUSTON FINANCIAL SERVIES AGENCY | 1601 TIFFIN AVE FINDLAY, OH 45840 | COMMUNITY INSURANCE COMPANY | $26K | — | $26K | 2.74% |
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $10K | — | $10K | 1.10% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGCY | 1601 TIFFIN AVENUE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.28% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES | 1601 TIFFIN AVE FINDLAY, OH 45840 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $833 | — | $833 | 5.01% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGCY | 1601 TIFFIN AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $709 | — | $709 | 4.26% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $464 | — | $464 | 2.79% |
| CHAD A POLLOCK3 | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $304 | — | $304 | 1.83% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.59% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.17% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.08% |
| INGER M PENNINGTON3 | 242 W TANSEY XING WESTFIELD, IN 46074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.08% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| WILLIAM ROBERTS3 | PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGCY | 1601 TIFFIN AVENUE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| CHAD A POLLOCK3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $479 | — | $479 | 4.34% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGCY | 1601 TIFFIN AVENUE FINDLAY, OH 45840 | AFLAC | $211 | — | $211 | 1.91% |
| DANIEL L JONES3 | 201 NORTH MAIN STREET DELPHOS, OH 45833 | AFLAC | $178 | — | $178 | 1.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: THOMAS L BROWN | 3762 ROAD 10 LEIPSIC, OH 45856 | AFLAC | $144 | — | $144 | 1.30% |
| PAMELA HARDY3 | 2255 HEATHERWOOD DRIVE FINDLAY, OH 45840 | AFLAC | $89 | — | $89 | 0.81% |
| AARON ANSPACH LLC3 Filed as: AARON M ANSPACH | 825 W MARKET ST STE 101 LIMA, OH 45805 | AFLAC | $56 | — | $56 | 0.51% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $50 | — | $50 | 0.45% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $20 | — | $20 | 0.18% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $13 | — | $13 | 0.12% |
| KRISTEN D PRESTON3 | 3745 COUNTY ROAD 45 ALGER, OH 45812 | AFLAC | $12 | — | $12 | 0.11% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $2 | — | $2 | 0.02% |
| MARK R DECKARD3 | 5298 FREDERICKS STAND SOUTH LEBANON, OH 45065 | AFLAC | $1 | — | $1 | 0.01% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.01% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN C RASCHELLA3 | 3206 WALES AVE CLEVELAND, OH 44134 | AFLAC | $1 | — | $1 | 0.01% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGCY | 1601 TIFFIN AVENUE FINDLAY, OH 45840 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $758 | — | $758 | 10.86% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGENCY | 1601 TIFFIN AVE FINDLAY, OH 45840 | ANTHEM LIFE INSURANCE COMPANY | $536 | — | $536 | 10.00% |
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | ANTHEM LIFE INSURANCE COMPANY | $121 | — | $121 | 2.26% |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 101 | $967K |
| Dental | COMMUNITY INSURANCE COMPANY | 65 | $36K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 112 | $7K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $19K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 84 | $38K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 84 | $38K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 67 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.