| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVE CHRISTENSEN3 Filed as: STEVE CHRISTIANSEN | P. O. BOX 854 DUBLIN, OH 430176854 | DELTA DENTAL OF OHIO | $5K | $0 | $5K | 5.03% |
| HAUGHN AND ASSOCIATES INC.3 Filed as: HAUGHN & ASSOCIATES, INS. AGENCY | 6050 TAIN DRIVE DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $1K | $20K | 21.54% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 NORTH 164TH STREET OMAHA, NE 68118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.46% |
| HAUGH & ASSOCIATES3 | 6050 TAIN DRIVE DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $989 | $7K | 11.56% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 N 164TH STREET OMAHA, NE 68118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.44% |
| HAUGH & ASSOCIATES3 | 6050 TAIN DRIVE DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $366 | $3K | 11.59% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 N 164TH STREET OMAHA, NE 68118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $555 | $555 | 2.41% |
| HAUGHN AND ASSOCIATES INC.3 Filed as: HAUGHN & ASSOCIATES INSURANCE AGENC | P. O. BOX 854 DUBLIN, OH 430176854 | DELTA DENTAL OF OHIO | $1K | $0 | $1K | 9.16% |
| HAUGH & ASSOCIATES3 | 6050 TAIN DRIVE DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $202 | $1K | 11.66% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 N 164TH STREET OMAHA, OH 68118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $285 | $285 | 2.34% |
| HAUGH & ASSOCIATES3 | 6050 TAIN DRIVE DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $797 | $130 | $927 | 11.63% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 N 164TH STREET OMAHA, NE 68118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $189 | $189 | 2.37% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 287 | $100K |
| Vision | DELTA DENTAL OF OHIO | 259 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $64K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $93K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.