| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | COMMUNITY INSURANCE COMPANY | $2K | $128 | $2K | 0.31% |
| LAB BENEFITS LLC3 | 1967 FRALEY DRIVE COLUMBUS, OH 43235 | AMERICAN UNITED LIFE INSURANCE COMPANY | $12K | $0 | $12K | 7.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF OHIO | $1K | $0 | $1K | 1.20% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.74% |
| ILENE BURKART3 | 1967 FRALEY DRIVE COLUMBUS, OH 43235 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.64% |
| LAURA HUDOCK3 | 2415 ASHDALE DR TWINSBURG, OH 44087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.21% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST. HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $534 | $0 | $534 | 1.01% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 426 | $116K |
| Vision | COMMUNITY INSURANCE COMPANY | 421 | $725K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 245 | $154K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 245 | $154K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 245 | $154K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 421 | $725K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 245 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.