| 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 | $24K | — | $24K | 1.96% |
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $8K | $2K | $10K | 0.78% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGENCY | 1601 TIFFIN AVE FINDLAY, OH 45840 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 12.27% |
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | ANTHEM LIFE INSURANCE COMPANY | $862 | $57 | $919 | 1.99% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGCY | 1601 TIFFIN AVE FINDLAY, OH 45840 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SVCS | 1601 TIFFIN AVE FINDLAY, OH 45840 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 3.00% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.58% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGCY | 1601 TIFFIN AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $960 | — | $960 | 4.23% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $860 | — | $860 | 3.79% |
| CHAD A POLLOCK3 | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $365 | — | $365 | 1.61% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | — | $95 | 0.42% |
| MORGAN LOEWEN3 Filed as: MORGAN L LOEWEN | 108 W FRONT ST FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.12% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.11% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.06% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGCY | 1601 TIFFIN AVENUE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.69% |
| CHAD A POLLOCK3 | 6506 ANTHONY DR MAUMEE, OH 43537 | AFLAC | $470 | $3 | $473 | 3.50% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGCY | 1601 TIFFIN AVENUE FINDLAY, OH 45840 | AFLAC | $381 | — | $381 | 2.82% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | AFLAC | $272 | $16 | $288 | 2.13% |
| AARON ANSPACH LLC3 Filed as: AARON M ANSPACH LLC | 209 N MAIN ST STE 8 LIMA, OH 45801 | AFLAC | $174 | $3 | $177 | 1.31% |
| DANIEL L JONES3 | 201 NORTH MAIN STREET DELPHOS, OH 45833 | AFLAC | $177 | — | $177 | 1.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: THOMAS L BROWN | 3762 ROAD 10 LEIPSIC, OH 45856 | AFLAC | $151 | — | $151 | 1.12% |
| PAMELA HARDY3 | 2255 HEATHERWOOD DRIVE FINDLAY, OH 45840 | AFLAC | $92 | — | $92 | 0.68% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $46 | — | $46 | 0.34% |
| MORGAN LOEWEN3 | 2940 SAINT ANDREWS DR FINDLAY, OH 45840 | AFLAC | $32 | — | $32 | 0.24% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $23 | — | $23 | 0.17% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $12 | — | $12 | 0.09% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $7 | — | $7 | 0.05% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $4 | — | $4 | 0.03% |
| MARK R DECKARD3 | 5298 FREDERICKS STAND SOUTH LEBANON, OH 45065 | AFLAC | $4 | — | $4 | 0.03% |
| JOHN C RASCHELLA3 | 20301 GRD OAK SH BLVD 118-32 ESTERO, FL 33928 | AFLAC | $3 | — | $3 | 0.02% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $3 | — | $3 | 0.02% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | AFLAC | $1 | — | $1 | 0.01% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | AFLAC | $1 | — | $1 | 0.01% |
| KANDACE M MCCARTHY3 | 304 CANTERFIELD PKWY W PO BOX 1047 WEST DUNDEE, IL 60118 | 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 | $1K | — | $1K | 11.00% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGCY | 1601 TIFFIN AVENUE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70 | — | $70 | 9.96% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 140 | $1.2M |
| Dental | COMMUNITY INSURANCE COMPANY | 94 | $43K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 83 | $10K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 210 | $46K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 210 | $46K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 77 | $21K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 80 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
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.