| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVENUE FINDLAY, OH 45840 | MEDICAL MUTUAL | $36K | $16K | $52K | 4.07% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.78% |
| 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% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.05% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $911 | — | $911 | 3.81% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGENCY IN | 1601 TIFFIN AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $896 | — | $896 | 3.75% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $889 | — | $889 | 3.72% |
| CHAD A POLLOCK3 | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $263 | — | $263 | 1.10% |
| MORGAN LOEWEN3 Filed as: MORGAN L LOEWEN | 108 W FRONT ST FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | — | $116 | 0.49% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.28% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.20% |
| ANDREW M PORTER3 | 14374 RD 82 PAULDING, OH 45879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.09% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| 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 | $7 | — | $7 | 0.03% |
| MELISSA R TRENTMAN3 | 9472 STATE ROUTE 66 DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | AFLAC | $872 | $103 | $975 | 5.90% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGENCY IN | 1601 TIFFIN AVE FINDLAY, OH 45840 | AFLAC | $643 | — | $643 | 3.89% |
| AARON ANSPACH LLC3 | 209 N MAIN ST STE 8 LIMA, OH 45801 | AFLAC | $449 | $25 | $474 | 2.87% |
| MORGAN LOEWEN3 | 2940 SAINT ANDREWS DR FINDLAY, OH 45840 | AFLAC | $295 | $6 | $301 | 1.82% |
| CHAD A POLLOCK3 | 6506 ANTHONY DR MAUMEE, OH 43537 | AFLAC | $186 | — | $186 | 1.12% |
| DANIEL L JONES3 | 201 N MAIN ST DELPHOS, OH 45833 | AFLAC | $76 | — | $76 | 0.46% |
| TINA M THOMPSON DENNIS3 | 1218 WONDERLICK RD LIMA, OH 45805 | AFLAC | $58 | — | $58 | 0.35% |
| GARY E SADLER3 | 4244 SCHOOLER RD CRIDERSVILLE, OH 45806 | AFLAC | $42 | — | $42 | 0.25% |
| MELANIE WILLIAMS3 | 19792 HAUSS RD WAPAKONETA, OH 45895 | AFLAC | $35 | — | $35 | 0.21% |
| THE MASTERS AGENCY INC3 Filed as: MASTERS AGENCY INC | 1108 LEDGESTONE DR WADSWORTH, OH 44281 | AFLAC | $29 | — | $29 | 0.18% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $26 | — | $26 | 0.16% |
| TARA D CASCIOLI3 | 505 N WESTMINSTER ST WAYNESFIELD, OH 45896 | AFLAC | $15 | $11 | $26 | 0.16% |
| GARY J SUEVER3 | PO BOX 255 DELPHOS, OH 45833 | AFLAC | $16 | — | $16 | 0.10% |
| JAMES A CONRAD3 | 4180 AMHERST RD CRIDERSVILLE, OH 45806 | AFLAC | $14 | — | $14 | 0.08% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $11 | — | $11 | 0.07% |
| IAN B BRANYON3 | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | AFLAC | $5 | — | $5 | 0.03% |
| WILLIAM M HURLEY3 Filed as: WILLIAM H ROBERTS | 3749 SACHEM AVE CINCINNATI, OH 45226 | AFLAC | $5 | — | $5 | 0.03% |
| MARK L HUFHAND3 | 3313 LEE ST NW NORTH CANTON, OH 44720 | AFLAC | $5 | — | $5 | 0.03% |
| GAYLORD I KAUFFMAN3 | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16105 | AFLAC | $5 | — | $5 | 0.03% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $4 | — | $4 | 0.02% |
| JULIE L HUELSKAMP3 | 17297 COUNTY ROAD 25A WAPAKONETA, OH 45895 | AFLAC | $3 | — | $3 | 0.02% |
| KANDACE M MCCARTHY3 | PO BOX 1047 304 CANTERFIELD PKWY W WEST DUNDEE, IL 60118 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $2 | — | $2 | 0.01% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGENCY | 1601 TIFFIN AVE FINDLAY, OH 45840 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $697 | — | $697 | 6.00% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $914 | — | $914 | 19.88% |
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 | 87 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 96 | $1.3M |
| Dental | COMMUNITY INSURANCE COMPANY | 84 | $57K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 79 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 77 | $25K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $93K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $93K |
| Prescription drug | MEDICAL MUTUAL | 96 | $1.3M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 71 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.