| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 37 W BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | MEDICAL MUTUAL | $92K | $51K | $144K | 4.19% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC | 221 S CHURCH ST BOWLING GREEN, OH 43402 | DELTA DENTAL OF OHIO | $6K | — | $6K | 3.01% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.97% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.69% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.98% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC | 221 S CHURCH ST BOWLING GREEN, OH 43402 | VISION SERVICE PLAN | $1K | — | $1K | 3.78% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST STE 1100 COLUMBUS, OH 43215 | AFLAC | $939 | — | $939 | 5.29% |
| NICOLE STARKEY3 | 1102 ELEANOR AVE TOLEDO, OH 43612 | AFLAC | $768 | $19 | $787 | 4.44% |
| DAVID N MULLINS JR3 | 7840 LINWOOD RD BOWLING GREEN, OH 43402 | AFLAC | $404 | $4 | $408 | 2.30% |
| DAVID M BAUM3 | 28350 KENSINGTON LN STE 100 PERRYSBURG, OH 43551 | AFLAC | $149 | — | $149 | 0.84% |
| CHAD A POLLOCK3 | 6506 ANTHONY DR MAUMEE, OH 43537 | AFLAC | $90 | — | $90 | 0.51% |
| AARON ANSPACH LLC3 | 209 N MAIN ST STE 8 LIMA, OH 45801 | AFLAC | $68 | — | $68 | 0.38% |
| ANTHONY JOSEPH MOTTER3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $55 | — | $55 | 0.31% |
| CHRIS BUCK3 | 655 BEAVER CREEK CIR MAUMEE, OH 43537 | AFLAC | $28 | — | $28 | 0.16% |
| ROBERT E SCOBEE3 | 26800 WOODMONT DR APT 18 PERRYSBURG, OH 43551 | AFLAC | $26 | — | $26 | 0.15% |
| MARK R MUNDWILER3 | 4340 BEVERLY DR TOLEDO, OH 43614 | AFLAC | $15 | — | $15 | 0.08% |
| COREY J KING3 | 1110 HEIDELBERG RD TOLEDO, OH 43615 | AFLAC | $14 | — | $14 | 0.08% |
| KEVIN W LAWSON3 | 2823 PROVINCETOWNE DR TOLEDO, OH 43613 | AFLAC | $12 | — | $12 | 0.07% |
| JAMES LOCKWOOD3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $7 | $4 | $11 | 0.06% |
| MELANIE KING3 Filed as: MELANIE L KING | 1110 HEIDELBERG RD TOLEDO, OH 43615 | AFLAC | $10 | — | $10 | 0.06% |
| JACK A SHADE3 | 690 TREE BEND CT WESTERVILLE, OH 43082 | AFLAC | $6 | — | $6 | 0.03% |
| MOYA WARRICK3 | 4757 MIDDLE BRANCH BLDG 2 MONCLOVA, OH 43542 | AFLAC | $6 | — | $6 | 0.03% |
| ELIZABETH A LAWSON3 | 2823 PROVINCETOWNE DR TOLEDO, OH 43613 | AFLAC | $5 | — | $5 | 0.03% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $3 | — | $3 | 0.02% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $3 | — | $3 | 0.02% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH | 21397 LEHMAN RD DELPHOS, OH 45833 | AFLAC | $2 | — | $2 | 0.01% |
| BETH A VOLLMAR3 | 2241 MIDDLESEX DR TOLEDO, OH 43606 | AFLAC | $1 | — | $1 | 0.01% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $1 | — | $1 | 0.01% |
| IAN B BRANYON3 | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | AFLAC | $1 | — | $1 | 0.01% |
| INGER M PENNINGTON3 | 1369 BERKSHIRE DR MILFORD, OH 45150 | AFLAC | $1 | — | $1 | 0.01% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | AFLAC | $1 | — | $1 | 0.01% |
| IAN B BRANYON3 | 9300 HARRIS CORNERS PKWY STE 100 CHARLOTTE, NC 28269 | AFLAC | $1 | — | $1 | 0.01% |
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 | 362 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 308 | $3.4M |
| Dental | DELTA DENTAL OF OHIO | 566 | $189K |
| Vision | VISION SERVICE PLAN | 272 | $36K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 362 | $28K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 362 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 362 | $80K |
| Prescription drug | MEDICAL MUTUAL | 308 | $3.4M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 362 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.