| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CINDY CRAIG3 | 5490 HEATHROW DR POWELL, OH 43065 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $57K | — | $57K | 19.91% |
| HARVARD PRINTING GROUP5 | 175 US HIGHWAY 46 WEST FAIRFIELD, NJ 07004 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $831 | $831 | 0.29% |
| CRAIG, CINDY, JANE3 | 5490 HEATHROW DR POWELL, OH 43065 | AMERITAS LIFE INSURANCE CORP. | $13K | — | $13K | 7.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 775 YARD ST COLUMBUS, OH 43212 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 4.80% |
| CINDY CRAIG3 Filed as: CINDY J CRAIG | 5490 HEATHROW DR POWELL, OH 43065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 13.87% |
| ASPIRE BENEFITS LLC3 | 5170 CRITERION WAY DUBLIN, OH 43016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3 | $5K | 9.63% |
| KARA ANN GRAY3 | 5321 MUSTANG CT COLUMBUS, OH 43221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $219 | $3K | 5.47% |
| JUSTIN S PETER3 | 4665 CORNELL RD CINCINNATI, OH 45241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.47% |
| KEITH KERNS3 | 5170 CRITERION WAY DUBLIN, OH 43016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $10 | $79 | 0.15% |
| PHILLIP EDWARD HOLSTEIN3 | 5976 PENNINGTON CREEK DR DUBLIN, OH 43016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $28 | $52 | 0.10% |
| WBBAS INC3 | PO BOX 1921 IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.05% |
| NOEL TAYLOR AGENCY INC3 | PO BOX 1921 IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| THE ADAMSON GROUP INC3 | 344 SUMMERSET DR CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ADVANCED BENEFIT SYSTEM INC3 | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MAYNARD BENEFITS GRP INC3 | PO BOX 9115 NORTH MYRTLE BEACH, SC 29582 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 956 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,004 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 392 | $177K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,889 | $285K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,889 | $285K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,889 | $285K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,889 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,889 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.