| 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 | $44K | — | $44K | 1.85% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.54% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SEVICES AGCY INC | 1601 TIFFIN AVENUE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $662 | — | $662 | 3.59% |
| KRISTEN D PRESTON3 Filed as: KRISTEN SEEANNA PRESTON | 6745 COUNTY ROAD 45 ALGER, OH 458128633 | CONTINENTAL AMERICAN INSURANCE COMPANY | $585 | — | $585 | 3.17% |
| CHAD A POLLOCK3 Filed as: CHAD ANTHONY POLLOCK | 1106 LINDEN DR VAN WERT, OH 458912659 | CONTINENTAL AMERICAN INSURANCE COMPANY | $188 | — | $188 | 1.02% |
| BRIAN JOSEPH DAY3 | 13189 HITCHING POST DEWITT, MI 48820 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.34% |
| AARON ANSPACH LLC3 | 825 W MARKET ST SUITE 101 LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.32% |
| INGER M PENNINGTON3 | 1369 BERKSHIRE DR MILFORD, OH 45150 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.17% |
| MORGAN LOEWEN3 | 2940 ST ANDREWS DR FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.11% |
| ANDREW M PORTER3 Filed as: ANDREW MICHAEL NOLAN PORTER | 14374 ROAD 82 PAULDING, OH 45879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.11% |
| TJH CONSULTANTS LLC3 | 25144 ROCKY HARBOUR DR PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.09% |
| CHRIS D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 484332175 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| SHAWN MARTIN MCDERMOTT3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| IAN B BRANYON3 Filed as: IAN BYRD BRANYON | 2301 LUCIEN WAY SUITE 150 MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| WILLIAM M HURLEY3 Filed as: WILLIAM H C ROBERTS | 3749 SACHEM AVE CINCINNATI, OH 452261755 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $644 | — | $644 | 20.01% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $350 | — | $350 | 19.98% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 116 | $2.4M |
| Dental | MEDICAL MUTUAL | 116 | $2.4M |
| Vision | MEDICAL MUTUAL | 116 | $2.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $128K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $128K |
| Prescription drug | MEDICAL MUTUAL | 116 | $2.4M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.