| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | DELTA DENTAL OF OHIO | $110 | $0 | $110 | 0.08% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | STANDARD INSURANCE COMPANY | $5K | $995 | $6K | 4.42% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 3.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 2.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.64% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.38% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | AFLAC | $697 | $0 | $697 | 4.26% |
| AMBER D STEIN3 Filed as: AMBER D. STEIN AND OTHER AGENTS | 14966 ROBINS ROAD JOHNSTOWN, OH 43031 | AFLAC | $433 | $0 | $433 | 2.65% |
| KIMBERLY NIETO3 | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | AFLAC | $290 | $0 | $290 | 1.77% |
| HENSLEY AND ASSOCIATES LLC3 Filed as: HENSLEY AND ASSOCIATES, LLC | 9465 RIVIERA DRIVE UNION, KY 41091 | AFLAC | $203 | $0 | $203 | 1.24% |
| KRISTIN LEE DOMBROFF | 3491 FAIRWAY COMMONS DRIVE HILLIARD, OH 43026 | AFLAC | $200 | $0 | $200 | 1.22% |
| JAMES A BURRESS3 Filed as: JAMES A. BURRESS | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $144 | $0 | $144 | 0.88% |
| STEVE NIETO3 | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | AFLAC | $123 | $0 | $123 | 0.75% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BARHARBOR COURT LEWIS CENTER, OH 43035 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $161 | $0 | $161 | 1.06% |
| JAMES C BOOKER3 Filed as: JAMES D. THOMAS | 715 LARKSPUR WAY PICKERINGTON, OH 43147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $140 | $0 | $140 | 0.92% |
| REB CONSULTING, INC.3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $137 | $0 | $137 | 0.91% |
| LISA R CANFIELD3 Filed as: LISA R. CANFIELD AND OTHER AGENTS | 9255 HIGH POINT ROAD THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 0.78% |
| JUSTIN J MCDONALD3 Filed as: JUSTIN J. MCDONALD | 12052 PEPPERMILL LANE PICKERINGTON, OH 43147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 0.57% |
| DANIEL THOMAS CANFIELD3 | 9255 HIGH POINT ROAD THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.36% |
| OVERALL BENEFITS GROUP LLC3 Filed as: OVERALL BENEFITS GROUP, LLC | 9255 HIGH POINT ROAD THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.30% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 507 | $136K |
| Vision | VISION SERVICE PLAN | 207 | $44K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 289 | $147K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 13 | $32K |
| Long-term disability | STANDARD INSURANCE COMPANY | 289 | $132K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 289 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.