| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | MEDICAL MUTUAL | $52K | — | $52K | 3.10% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON INSURANCE | 1601 TIFFIN AVE FINDLAY, OH 45840 | SUPERIOR DENTAL CARE | $2K | — | $2K | 1.73% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGCY | 1601 TIFFIN AVENUE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.07% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $417 | — | $417 | 2.21% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGENCY | 1601 TIFFIN AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $384 | — | $384 | 2.03% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $280 | — | $280 | 1.48% |
| CHAD A POLLOCK3 | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.47% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH | 825 W MARKET ST STE 101 LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.43% |
| JAMES LOCKWOOD3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.27% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.15% |
| MORGAN LOEWEN3 | 108 W FRONT ST FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.14% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| DAVID N MULLINS JR3 Filed as: DAVID N MULLINS JR. | 1437 ROYALTON RD TOLEDO, OH 43612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGCY | 1601 TIFFIN AVENUE FINDLAY, OH 45840 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.00% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGENCY | 1601 TIFFIN AVE FINDLAY, OH 45840 | ANTHEM LIFE INSURANCE COMPANY | $9K | — | $9K | 58.61% |
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | ANTHEM LIFE INSURANCE COMPANY | — | $3K | $3K | 18.04% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | AFLAC | $730 | — | $730 | 5.43% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGCY | 1601 TIFFIN AVE FINDLAY, OH 45840 | AFLAC | $541 | — | $541 | 4.02% |
| AARON ANSPACH LLC3 Filed as: AARON M ANSPACH LLC | 209 N MAIN ST STE 8 LIMA, OH 45801 | AFLAC | $440 | — | $440 | 3.27% |
| CHAD A POLLOCK3 | 6506 ANTHONY DR MAUMEE, OH 43537 | AFLAC | $182 | — | $182 | 1.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: THOMAS L BROWN | 3762 RAOD 10 LEIPSIC, OH 45856 | AFLAC | $93 | — | $93 | 0.69% |
| DANIEL L JONES3 | 201 NORTH MAIN STREET DELPHOS, OH 45833 | AFLAC | $86 | — | $86 | 0.64% |
| PAMELA HARDY3 | 2255 HEATHERWOOD DRIVE FINDLAY, OH 45840 | AFLAC | $59 | — | $59 | 0.44% |
| JAMES LOCKWOOD3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $44 | — | $44 | 0.33% |
| MORGAN LOEWEN3 | 321 W HOBART AVE FINDLAY, OH 45840 | AFLAC | $29 | — | $29 | 0.22% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $18 | — | $18 | 0.13% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $12 | — | $12 | 0.09% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $7 | — | $7 | 0.05% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $5 | — | $5 | 0.04% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $3 | — | $3 | 0.02% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN C RASCHELLA3 | 20521 TAHITIAN BLVD ESTERO, FL 33928 | AFLAC | $1 | — | $1 | 0.01% |
| INGER M PENNINGTON3 | 1369 BERKSHIRE DR MILFORD, OH 45150 | AFLAC | $1 | — | $1 | 0.01% |
| MARK R DECKARD3 | 7718 CRYSTAL COVE PT MAINEVILLE, OH 45039 | AFLAC | $1 | — | $1 | 0.01% |
| KANDACE M MCCARTHY3 | 1171 HEAVENS GATE LAKE IN THE HILLS, IL 60156 | AFLAC | $1 | — | $1 | 0.01% |
| KANDACE M MCCARTHY3 | 6119 HIGHLAND LN 304 CANTERFIELD PKWY W VILLAGE OF LAKEWOOD, IL 60014 | AFLAC | — | — | $0 | 0.00% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | MEDMUTUAL LIFE | $1K | — | $1K | 11.83% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HUSTON FINANCIAL SERVIES AGENCY | 1601 TIFFIN AVE FINDLAY, OH 45840 | COMMUNITY INSURANCE COMPANY | $3K | — | $3K | — |
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | — | $378 | $378 | — |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MEDICAL MUTUAL | 195 | $1.7M |
| Dental(2 contracts, 2 carriers) | SUPERIOR DENTAL CARE | 266 | $103K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 89 | $16K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 116 | $15K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 116 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $28K |
| Prescription drug | MEDICAL MUTUAL | 195 | $1.7M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 91 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
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.