| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES, LLC | 312 ELM ST., 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL OF OHIO | $25K | $45 | $25K | 3.33% |
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED FINANCIAL PLANNING SCV | 5880 VENTURE BLVD SUITE D DUBLIN, OH 43017 | MEDICAL MUTUAL OF OHIO | $5K | $918 | $6K | 0.77% |
| IAB BENEFITS, LLC3 | 1967 FRALEY DRIVE COLUMBUS, OH 43235 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $188 | $8K | 10.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES, LLC | 312 ELM ST., 24TH FLOOR CINCINNATI, OH 45202 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 4.15% |
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED FINANCIAL PLANNING, INC | 5880 VENTURE BLVD DUBLIN, OH 43017 | COMMUNITY INSURANCE COMPANY | $508 | — | $508 | 0.85% |
| IAB BENEFITS, LLC3 | 1967 FRALEY DRIVE COLUMBUS, OH 43235 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | $90 | $1K | 13.27% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 83 | $758K |
| Dental | COMMUNITY INSURANCE COMPANY | 95 | $60K |
| Vision | COMMUNITY INSURANCE COMPANY | 85 | $9K |
| Life insurance(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 149 | $83K |
| Short-term disability(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 149 | $83K |
| Long-term disability(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 149 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.