| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED FINANCIAL PLANNING AGCY | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | COMMUNITY INSURANCE COMPANY | — | $2K | $2K | 0.20% |
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | THE GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 9.97% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH CO | 419 PLUM STREET CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY | $186 | — | $186 | 0.20% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH CO | 120 E 4TH STREET S1500 CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY | $121 | — | $121 | 0.13% |
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 12.33% |
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 | 469 | 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) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 300 | $93K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 469 | $185K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 469 | $92K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 469 | $92K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 255 | $884K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 469 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.