| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SVCS AGY | 1601 TIFFIN AVE FINDLAY, OH 45840 | COMMUNITY INSURANCE COMPANY | $61K | — | $61K | 2.38% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SVCS | 2101 FLORENCE AVE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | — | $6K | $6K | 0.22% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.59% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGY | 1601 TIFFIN AVE FINDLAY, OH 45840 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 28.61% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SVCS | 2101 FLORENCE AVE CINCINNATI, OH 45206 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 13.41% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $538 | — | $538 | 3.82% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $428 | — | $428 | 3.04% |
| AARON ANSPACH LLC3 | 825 W MARKET ST SUITE 101 LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $275 | — | $275 | 1.95% |
| TJH CONSULTANTS LLC3 | 25144 ROCKY HARBOUR DR PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $145 | — | $145 | 1.03% |
| CHAD A POLLOCK3 | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.63% |
| BENJAMIN D WISE3 Filed as: BENJAMIN DANIEL WISE | 132 E 2ND ST VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.44% |
| THOMAS J HOUSER3 Filed as: THOMAS JOSEPH HOUSER | 25144 ROCKY HARBOUR DR PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.21% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.17% |
| MORGAN LOEWEN3 | 2940 ST ANDREWS DR FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.15% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| DAVID NELSON MULLINS3 | 1437 ROYALTON RD TOLEDO, OH 43612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| WILLIAM M HURLEY3 Filed as: WILLIAM H C ROBERTS | 3749 SACHEM AVE CINCINNATI, OH 452261755 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SVCS | 2101 FLORENCE AVE CINCINNATI, OH 45206 | ANTHEM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HUSTON FINANCIAL SERVIES AGENCY | 1601 TIFFIN AVE FINDLAY, OH 45840 | ANTHEM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | AFLAC | $308 | $23 | $331 | 3.15% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SVCS AGY | 1601 TIFFIN AVE FINDLAY, OH 45840 | AFLAC | $273 | — | $273 | 2.60% |
| CHAD A POLLOCK3 | 6506 ANTHONY DR MAUMEE, OH 43537 | AFLAC | $133 | — | $133 | 1.27% |
| BENJAMIN D WISE3 | 132 E 2ND ST VAN WERT, OH 45891 | AFLAC | $92 | $5 | $97 | 0.92% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH | 21397 LEHMAN RD DELPHOS, OH 45833 | AFLAC | $96 | — | $96 | 0.91% |
| TJH CONSULTANTS LLC3 | 25144 ROCKY HARBOUR DR PERRYSBURG, OH 43551 | AFLAC | $79 | $5 | $84 | 0.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: THOMAS L BROWN | 3762 ROAD 10 LEIPSIC, OH 45856 | AFLAC | $72 | — | $72 | 0.69% |
| DANIEL L JONES3 | 201 N MAIN ST DELPHOS, OH 45833 | AFLAC | $65 | — | $65 | 0.62% |
| PAMELA HARDY3 | 2255 HEATHERWOOD DR FINDLAY, OH 45840 | AFLAC | $45 | — | $45 | 0.43% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $13 | — | $13 | 0.12% |
| JAMES LOCKWOOD3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $10 | — | $10 | 0.10% |
| MICHAEL E MCCARTHY3 | 143 W WARFIELD DR MOORESVILLE, NC 28115 | AFLAC | $10 | — | $10 | 0.10% |
| MORGAN LOEWEN3 | 5505 BELLERIVE PL WESTERVILLE, OH 43082 | AFLAC | $8 | — | $8 | 0.08% |
| THOMAS J HOUSER3 | 25144 ROCKY HARBOUR DR PERRYSBURG, OH 43551 | AFLAC | $8 | — | $8 | 0.08% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $5 | — | $5 | 0.05% |
| CHRISTOPHER D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 48433 | AFLAC | $4 | — | $4 | 0.04% |
| RONALD J GRETHEL3 | 118 HIGHCLIFF CT LOVELAND, OH 45140 | AFLAC | $2 | — | $2 | 0.02% |
| KANDACE M MCCARTHY3 | 1171 HEAVENS GATE LAKE IN THE HILLS, IL 60156 | AFLAC | $1 | — | $1 | 0.01% |
| MARK R DECKARD3 | 7718 CRYSTAL COVE PT MAINEVILLE, OH 45039 | AFLAC | $1 | — | $1 | 0.01% |
| INGER M PENNINGTON3 | 1369 BERKSHIRE DR MILFORD, OH 45150 | AFLAC | $1 | — | $1 | 0.01% |
| SHAWN MARTIN 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% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM INSURANCE COMPANY | $2K | — | $2K | 15.01% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGENCY | 1601 TIFFIN AVE FINDLAY, OH 45840 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 28.40% |
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | ANTHEM LIFE INSURANCE COMPANY | — | $938 | $938 | 13.33% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM INSURANCE COMPANY | $794 | — | $794 | 13.00% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 18 | $11K |
| Dental | COMMUNITY INSURANCE COMPANY | 122 | $97K |
| Vision | COMMUNITY INSURANCE COMPANY | 121 | $18K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 218 | $29K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 129 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $36K |
| Other(4 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 76 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.