| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | MEDICAL MUTUAL | $42K | — | $42K | 2.01% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.69% |
| HUSTON FINANCIAL SERVICES INC | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | AFLAC | $237 | $20 | $257 | 2.00% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGENCY IN | 1601 TIFFIN AVE FINDLAY, OH 45840 | AFLAC | $192 | — | $192 | 1.49% |
| AARON ANSPACH LLC3 | 209 N MAIN ST STE 8 LIMA, OH 45801 | AFLAC | $186 | — | $186 | 1.45% |
| CHAD L NELSON3 Filed as: CHAD POLLOCK | 6506 ANTHONY DR MAUMEE, OH 43537 | AFLAC | $152 | — | $152 | 1.18% |
| MORGAN LOEWEN3 | 321 W HOBART AVE FINDLAY, OH 45840 | AFLAC | $79 | — | $79 | 0.61% |
| DANIEL L JONES3 | 201 N MAIN ST DELPHOS, OH 45833 | AFLAC | $76 | — | $76 | 0.59% |
| TINA M THOMPSON DENNIS3 | 1218 WONDERLICK RD LIMA, OH 45805 | AFLAC | $58 | — | $58 | 0.45% |
| GARY E SADLER3 | 4244 SCHOOLER RD CRIDERSVILLE, OH 45806 | AFLAC | $42 | — | $42 | 0.33% |
| MELANIE WILLIAMS3 | 19792 HAUSS RD WAPAKONETA, OH 45895 | AFLAC | $35 | — | $35 | 0.27% |
| THE MASTERS AGENCY INC3 Filed as: MASTERS AGENCY INC | 1108 LEDGESTONE DR WADSWORTH, OH 44281 | AFLAC | $29 | — | $29 | 0.23% |
| JAMES LOCKWOOD3 | 134 SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $12 | $5 | $17 | 0.13% |
| GARY J SUEVER3 | PO BOX 225 DELPHOS, OH 45833 | AFLAC | $16 | — | $16 | 0.12% |
| JAMES A CONRAD3 | 4180 AMHERST RD CRIDERSVILLE, OH 45806 | AFLAC | $14 | — | $14 | 0.11% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $13 | — | $13 | 0.10% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $11 | — | $11 | 0.09% |
| TARA D CASCIOLI3 | 505 N WESTMINSTER ST WAYNESFIELD, OH 45896 | AFLAC | $6 | — | $6 | 0.05% |
| MARK L HUFHAND3 | 925 S MAIN ST STE B NORTH CANTON, OH 44720 | AFLAC | $5 | — | $5 | 0.04% |
| JUDY KAUFFMAN3 | PO BOX 135 NEW WILMINGTON, PA 16142 | AFLAC | $5 | — | $5 | 0.04% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $4 | — | $4 | 0.03% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $2 | — | $2 | 0.02% |
| KANDACE M MCCARTHY3 | 171 HEAVENS GATE LAKE IN THE HILLS, IL 60156 | AFLAC | $2 | — | $2 | 0.02% |
| JULIE L HUELSKAMP3 | 17297 COUNTY ROAD 25A WAPAKONETA, OH 45895 | AFLAC | $1 | — | $1 | 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% |
| WILLIAM M HURLEY3 Filed as: WILLIAM H ROBERTS | 3749 SACHEM AVE CINCINNATI, OH 45226 | AFLAC | — | — | $0 | 0.00% |
| IAN B BRANYON3 | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | AFLAC | — | — | $0 | 0.00% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $575 | — | $575 | 19.99% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SRVICES AGENCY INC | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $347 | — | $347 | 19.99% |
| GAYLORD I KAUFFMAN3 | 315 GREEN RIDGE ROAD STE H1 NEW CASTLE, PA 16105 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | — | $0 | — |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | — | $0 | — |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 110 | $2.1M |
| Dental | MEDICAL MUTUAL | 110 | $2.1M |
| Vision | MEDICAL MUTUAL | 110 | $2.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $100K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $100K |
| Prescription drug | MEDICAL MUTUAL | 110 | $2.1M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.