| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | MEDICAL MUTUAL | $18K | $3K | $21K | 3.71% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET 24TH FLOOR CINCNNATI, OH 45202 | MEDICAL MUTUAL | $9K | $34 | $9K | 1.66% |
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED FINANCIAL PLANNNING | 5880 VENTURE DRIVE DUBLIN, OH 43017 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 4.38% |
| USI INSURANCE SERVICES LLC3 | 58890 VENTURE DRIVE DUBLIN, OH 43017 | HUMANA INSURANCE COMPANY | $371 | — | $371 | 0.63% |
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED FINANCIAL PLANNNING | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $135 | $5K | 8.52% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $948 | $166 | $1K | 2.03% |
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | VISION SERVICE PLAN | $691 | — | $691 | 3.55% |
| USI INSURANCE SERVICES LLC3 | 5880 VENTURE DRIVE DUBLIN, OH 43017 | VISION SERVICE PLAN | $328 | — | $328 | 1.68% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $440 | $10 | $450 | 5.10% |
| RICHARD J. MARTIN3 Filed as: RICHARD J MARTIN | 7650 RIVERS EDGE DRIVE COLUMBUS, OH 43235 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $270 | — | $270 | 3.06% |
| HOWARD B MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.60% |
| SHERRIE LYNN BUCHANAN3 | 815 SAVANNAH DRIVE COLUMBUS, OH 43228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $4 | $39 | 0.44% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED BENEFIT COMMUNICATION SP | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| ACCELERATED FINANCIAL PLANNING3 | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $966 | $32 | $998 | 11.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $319 | $37 | $356 | 4.16% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 112 | $569K |
| Dental | HUMANA INSURANCE COMPANY | 114 | $59K |
| Vision | VISION SERVICE PLAN | 99 | $19K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $64K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $55K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $55K |
| Prescription drug | MEDICAL MUTUAL | 112 | $569K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 213 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.