| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS THORSELL3 | 8154 GARMAN RD BURBANK, OH 44214 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 8.64% |
| HUNTINGTON INSURANCE INC3 | 121 N MARKET ST, STE 600 WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | — | $26K | 45.94% |
| KATIE D DUER3 | 2801 S MEDINA LINE RD WADSWORTH, OH 44281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 8.25% |
| ERIKA M PERRIN3 | 11565 GRENADA CIRCLE NE HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.31% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $553 | — | $553 | 0.99% |
| HUNTINGTON INSURANCE INC3 | 121 N MARKET ST, STE 600 WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | — | $24K | 63.64% |
| HUNTINGTON INSURANCE INC3 | 121 N MARKET ST, STE 600 WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 52.06% |
| VAL YOUNG3 | 3974 N KESSINGER LN BOISE, ID 83703 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $883 | — | $883 | 4.13% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DR DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INS. CO. | $525 | $29 | $554 | 3.81% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED BENEFIT COMMUNICATION SP | 5880 VENTURE DR DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INS. CO. | $488 | $4 | $492 | 3.38% |
| JEFFREY PRATT GRIFFETH3 | 12416 WEST BRADDOCK DRIVE BOISE, ID 83709 | COLONIAL LIFE & ACCIDENT INS. CO. | $185 | $125 | $310 | 2.13% |
| VIRGINIA KEZELE3 | 15007 W PINCHOT AVE GOODYEAR, AZ 85395 | COLONIAL LIFE & ACCIDENT INS. CO. | $160 | — | $160 | 1.10% |
| HOWARD B MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INS. CO. | $54 | — | $54 | 0.37% |
| WILLIAM KEZELE3 | PO BOX 5597 TWIN FALLS, ID 83303 | COLONIAL LIFE & ACCIDENT INS. CO. | $39 | $7 | $46 | 0.32% |
| KELLEY MOTTOLA3 | 8576 MAJOR PLACE GALLOWAY, OH 43119 | COLONIAL LIFE & ACCIDENT INS. CO. | $42 | — | $42 | 0.29% |
| MARY BROOK FORD3 | 5475 N MITCHUM AVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INS. CO. | $10 | — | $10 | 0.07% |
| DENISE A MAXWELL3 | 5475 N MITCHUM AVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INS. CO. | $0 | — | $0 | 0.00% |
| DENISE A MAXWELL3 Filed as: DENISE ANN WEIDNER | 3400 E RIVER VALLEY ST MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INS. CO. | $0 | — | $0 | 0.00% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DR DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INS. CO. | $348 | — | $348 | 2.96% |
| HOWARD B MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INS. CO. | $144 | — | $144 | 1.22% |
| DENNIS N SHAY3 | 409 MANILA PLACE WESTERVILLE, OH 43081 | COLONIAL LIFE & ACCIDENT INS. CO. | $37 | — | $37 | 0.31% |
| MARY BROOK FORD3 | 5475 N MITCHUM AVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INS. CO. | $14 | — | $14 | 0.12% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED BENEFIT COMMUNICATION SP | 5880 VENTURE DR DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INS. CO. | $11 | — | $11 | 0.09% |
| VIRGINIA KEZELE3 | 15007 PINCHOT AVE GOODYEAR, AZ 85395 | COLONIAL LIFE & ACCIDENT INS. CO. | $5 | — | $5 | 0.04% |
| GEORGE EVANS3 | 7950 S R 605 WESTERVILLE, OH 43081 | COLONIAL LIFE & ACCIDENT INS. CO. | $1 | — | $1 | 0.01% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INS. CO. | $121 | — | $121 | 2.73% |
| ERIN COLLEEN LANINGA3 | 1700 HIGGINS CENTRE DES PLAINES, IL 60018 | COLONIAL LIFE & ACCIDENT INS. CO. | $22 | — | $22 | 0.50% |
| ALAN L REITER3 | 21100 SHELL VALLEY RD EDMONDS, WA 98026 | COLONIAL LIFE & ACCIDENT INS. CO. | $11 | — | $11 | 0.25% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED BENEFIT COMMUNICATION SP | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INS. CO. | $4 | — | $4 | 0.09% |
| DENNIS N SHAY3 | 409 MANILLA PLACE WESTERVILLE, OH 43081 | COLONIAL LIFE & ACCIDENT INS. CO. | $1 | — | $1 | 0.02% |
| HOWARD B MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INS. CO. | $1 | — | $1 | 0.02% |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 171 | $678K |
| Dental | COMMUNITY INSURANCE COMPANY | 171 | $564K |
| Life insurance(7 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 333 | $320K |
| Short-term disability(3 contracts) | COLONIAL LIFE & ACCIDENT INS. CO. | 23 | $31K |
| Long-term disability(4 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 333 | $206K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 171 | $564K |
| Other | AETNA LIFE INSURANCE CO. | 333 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.