| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES | 1601 TIFFIN AVE FINDLAY, OH 45840 | MEDICAL MUTUAL | $42K | — | $42K | 1.86% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.14% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMER | $3K | — | $3K | 15.00% |
| KRISTEN D PRESTON3 | 6 COUNTY ROAD 7 ALGER, OH 45812 | AFLAC | $306 | — | $306 | 2.58% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES AGENCY | 1601 TIFFIN AVE FINDLAY, OH 45840 | AFLAC | $237 | — | $237 | 2.00% |
| CHAD A POLLOCK3 | 6506 ANTHONY DR MAUMEE, OH 43537 | AFLAC | $151 | — | $151 | 1.27% |
| AARON ANSPACH LLC3 Filed as: AARON M ANSPACH | 21397 LEHMAN RD DELPHOS, OH 45833 | AFLAC | $150 | — | $150 | 1.27% |
| TJH CONSULTANTS LLC3 | 25144 ROCKY HARBOUR DR PERRYSBURG, OH 43551 | AFLAC | $94 | — | $94 | 0.79% |
| MORGAN LOEWEN3 | 820 WARWICK DR WESTERVILLE, OH 43082 | AFLAC | $71 | — | $71 | 0.60% |
| DANIEL L JONES3 | 201 N MAIN ST DELPHOS, OH 45833 | AFLAC | $69 | — | $69 | 0.58% |
| TINA M THOMPSON DENNIS3 | 205 EDENS OAKS CT SIX MILE, SC 29682 | AFLAC | $58 | — | $58 | 0.49% |
| MELANIE WILLIAMS3 | 19792 HAUSS RD WAPAKONETA, OH 45895 | AFLAC | $35 | — | $35 | 0.30% |
| THE MASTERS AGENCY INC3 Filed as: MASTERS AGENCY INC | 1108 LEDGESTONE DR WADSWORTH, OH 44281 | AFLAC | $24 | — | $24 | 0.20% |
| GARY E SADLER3 | 4244 SCHOOLER RD CRIDERSVILLE, OH 45806 | AFLAC | $23 | — | $23 | 0.19% |
| GARY J SUEVER3 | PO BOX 225 DELPHOS, OH 45833 | AFLAC | $16 | — | $16 | 0.13% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH | 21397 LEHMAN RD DELPHOS, OH 45833 | AFLAC | $14 | — | $14 | 0.12% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $13 | — | $13 | 0.11% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $9 | — | $9 | 0.08% |
| MARK L HUFHAND3 | 925 S MAIN ST STE B NORTH CANTON, OH 44720 | AFLAC | $4 | — | $4 | 0.03% |
| GAYLORD I KAUFFMAN3 | 315 GREEN RIDGE ROAD STE H 1 NEW CASTLE, PA 16105 | AFLAC | $4 | — | $4 | 0.03% |
| CHRISTOPHER D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 48433 | AFLAC | $3 | — | $3 | 0.03% |
| KANDACE M MCCARTHY3 | 1171 HEAVENS GATE LAKE IN THE HILLS, IL 60156 | AFLAC | $1 | — | $1 | 0.01% |
| RONALD J GRETHEL3 | 118 HIGHCLIFF CT LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES LOCKWOOD3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $1 | — | $1 | 0.01% |
| BENJAMIN WYLIE3 | 7156 SOUTHHAMPTON 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 AMER | $299 | — | $299 | 18.11% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 111 | $2.3M |
| Dental | MEDICAL MUTUAL | 111 | $2.3M |
| Vision | MEDICAL MUTUAL | 111 | $2.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $114K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $114K |
| Prescription drug | MEDICAL MUTUAL | 111 | $2.3M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMER | 64 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.