| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGCY INC | 1601 TIFFIN AVENUE FINDLAY, OH 45840 | COMMUNITY INSURANCE COMPANY | $21K | — | $21K | 1.95% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICES AG | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $7K | $2K | $8K | 0.78% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.88% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES | 1601 TIFFIN AVE FINDLAY, OH 45840 | COMMUNITY INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SVCS | 2101 FLORENCE AVE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.16% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGCY INC | 1601 TIFFIN AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.48% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.20% |
| CHAD A POLLOCK3 | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $465 | — | $465 | 1.83% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.26% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.20% |
| ANDREW M PORTER3 | 14374 RD 82 PAULDING, OH 45879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.10% |
| MORGAN LOEWEN3 Filed as: MORGAN L LOEWEN | 108 W FRONT ST FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.06% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.78% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGENCY | 1601 TIFFIN AVE FINDLAY, OH 45840 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $772 | — | $772 | 6.00% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES | 1601 TIFFIN AVE FINDLAY, OH 45840 | ANTHEM LIFE INSURANCE COMPANY | $450 | — | $450 | 9.15% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SVCS | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | ANTHEM LIFE INSURANCE COMPANY | $97 | $39 | $136 | 2.76% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $910 | — | $910 | 18.82% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 97 | $1.1M |
| Dental | COMMUNITY INSURANCE COMPANY | 84 | $59K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 83 | $13K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $27K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $76K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 70 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.