| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL MENNING3 | 7269 SAWMILL ROAD SUITE 100 DUBLIN, OH 43016 | UNIMERICA INSURANCE COMPANY | $30K | — | $30K | 7.33% |
| BAC AGENCY, INC.5 | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | UNIMERICA INSURANCE COMPANY | $20K | — | $20K | 4.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS INC. | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | UNIMERICA INSURANCE COMPANY | $11K | — | $11K | 2.66% |
| LABRADOR BROKERAGE AGENCY, LLC3 | 7269 SAWMILL ROAD SUITE 100 DUBLIN, OH 43016 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | — | $10K | 7.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 3.85% |
| BAC AGENCY, INC.5 | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | UNITED HEALTHCARE | $3K | — | $3K | 11.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESS ADMINISTRATORS & CONS. INC THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | $201K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NETWORK PROVIDER | Insurance services Service code 23 | — | $59K |
| MICHAEL MENNING INSURANCE AGENT | Insurance agents and brokers Service code 22 | 7269 SAWMILL ROAD SUITE 100 DUBLIN, OH 43016 | $25K |
| MCGRIFF, SEIBELS & WILLIAMS INC EIN 20-0468966 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $9K |
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 | 644 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 306 | $407K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 644 | $145K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 644 | $145K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 644 | $145K |
| Prescription drug | UNIMERICA INSURANCE COMPANY | 306 | $407K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 306 | $407K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 644 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.