| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | MEDICAL MUTUAL | $38K | — | $38K | 2.27% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.19% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $735 | — | $735 | 3.15% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SRVICES AGENCY INC | 1601 TIFFIN AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $693 | — | $693 | 2.97% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $643 | — | $643 | 2.76% |
| CHAD A POLLOCK3 | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $226 | — | $226 | 0.97% |
| MORGAN LOEWEN3 Filed as: MORGAN L LOEWEN | 108 W FRONT ST FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.29% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.27% |
| AARON ANSPACH LLC3 | 825 W MARKET ST STE 101 LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.21% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.20% |
| JAMES LOCKWOOD3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.13% |
| ANDREW M PORTER3 | 14374 ROAD 82 PAULDING, OH 45879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.09% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 16.36% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | AFLAC | $323 | $150 | $473 | 3.31% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGENCY IN | 1601 TIFFIN AVE FINDLAY, OH 45840 | AFLAC | $258 | — | $258 | 1.80% |
| AARON ANSPACH LLC3 | 209 N MAIN ST STE 8 LIMA, OH 45801 | AFLAC | $217 | $30 | $247 | 1.73% |
| CHAD L NELSON3 Filed as: CHAD POLLOCK | 6506 ANTHONY DR MAUMEE, OH 43537 | AFLAC | $152 | — | $152 | 1.06% |
| MORGAN LOEWEN3 | 2940 SAINT ANDREWS DR FINDLAY, OH 45840 | AFLAC | $110 | $30 | $140 | 0.98% |
| DANIEL L JONES3 | 201 N MAIN ST DELPHOS, OH 45833 | AFLAC | $69 | — | $69 | 0.48% |
| TINA M THOMPSON DENNIS3 | 1218 WONDERLICK RD LIMA, OH 45805 | AFLAC | $53 | — | $53 | 0.37% |
| GARY E SADLER3 | 4244 SCHOOLER RD CRIDERSVILLE, OH 45806 | AFLAC | $38 | — | $38 | 0.27% |
| MELANIE WILLIAMS3 | 19792 HAUSS RD WAPAKONETA, OH 45895 | AFLAC | $32 | — | $32 | 0.22% |
| THE MASTERS AGENCY INC3 Filed as: MASTERS AGENCY INC | 1108 LEDGESTONE DR WADSWORTH, OH 44281 | AFLAC | $27 | — | $27 | 0.19% |
| JAMES LOCKWOOD3 | 134 SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $24 | — | $24 | 0.17% |
| TARA D CASCIOLI3 | 505 N WESTMINSTER ST WAYNESFIELD, OH 45896 | AFLAC | $20 | — | $20 | 0.14% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $16 | — | $16 | 0.11% |
| GARY J SUEVER3 | PO BOX 225 DELPHOS, OH 45833 | AFLAC | $15 | — | $15 | 0.10% |
| JAMES A CONRAD3 | 4180 AMHERST RD CRIDERSVILLE, OH 45806 | AFLAC | $12 | — | $12 | 0.08% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $10 | — | $10 | 0.07% |
| MARK L HUFHAND3 | 925 S MAIN ST STE B NORTH CANTON, OH 44720 | AFLAC | $5 | — | $5 | 0.03% |
| GAYLORD I KAUFFMAN3 | 315 GREEN RIDGE ROAD STE H1 NEW CASTLE, PA 16105 | AFLAC | $5 | — | $5 | 0.03% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $3 | — | $3 | 0.02% |
| JULIE L HUELSKAMP3 | 17297 COUNTY ROAD 25A WAPAKONETA, OH 45895 | AFLAC | $3 | — | $3 | 0.02% |
| IAN B BRANYON3 | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | AFLAC | $2 | — | $2 | 0.01% |
| WILLIAM M HURLEY3 Filed as: WILLIAM H ROBERTS | 3749 SACHEM AVE CINCINNATI, OH 45226 | AFLAC | $2 | — | $2 | 0.01% |
| KANDACE M MCCARTHY3 | 6119 HIGHLAND LN 304 CANTERFIELD PKWY W VILLAGE OF LAKEWOOD, IL 60014 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $2 | — | $2 | 0.01% |
| BENJAMIN WYLIE3 | 7156 SOUTHAMPTON LANE HAMILTON, OH 45011 | AFLAC | $1 | — | $1 | 0.01% |
| MARK R DECKARD3 | 7718 CRYSTAL COVE PT MAINEVILLE, OH 45039 | AFLAC | $1 | — | $1 | 0.01% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $888 | — | $888 | 21.73% |
| HUSTON FINANCIAL SERVICES INC | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $157 | — | $157 | 24.96% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SVCS | 2101 FLORENCE AVE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $6 | — | $6 | 5.04% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES | 1601 TIFFIN AVE FINDLAY, OH 45840 | COMMUNITY INSURANCE COMPANY | $6 | — | $6 | 5.04% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 101 | $1.7M |
| Dental(2 contracts, 2 carriers) | MEDICAL MUTUAL | 101 | $1.7M |
| Vision | MEDICAL MUTUAL | 101 | $1.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $91K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $91K |
| Prescription drug | MEDICAL MUTUAL | 101 | $1.7M |
| Other(5 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 72 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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."
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.