| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 440 POLARIS PARKWAY, STE 400 WESTERVILLE, OH 43082 | AULTCARE | $33K | — | $33K | 8.82% |
| ENROLLPAD LLC3 | 5800 DETROIT AVE, SUITE 2 CLEVELAND, OH 44102 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.69% |
| STEINMETZ INSURANCE LLC3 | 4674 RIVERDALE ST BOLIVAR, OH 44612 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $500 | — | $500 | 0.58% |
| CATHY S STEINMETZ3 Filed as: CATHY STEINMETZ | 4674 RIVERDALE RD BOLIVAR, OH 44612 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 18.00% |
| HUNTINGTON INSURANCE INC3 | 440 POLARIS PARKWAY, STE 400 WESTERVILLE, OH 43082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.91% |
| CATHY S STEINMETZ3 Filed as: CATHY STEINMETZ | 4674 RIVERDALE RD BOLIVAR, OH 44612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | — | $183 | 1.70% |
| DONNA L BEYLAND3 | 519 WINDSOR PARK DRIVE DAYTON, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 1.16% |
| BRYAN RICHARD BEYLAND3 | 8811 YANKEE COVE COURT CENTERVILLE, OH 45458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.88% |
| MICHAEL W BERUBE3 Filed as: MICHAEL BERUBE | PO BOX 9825 CANTON, OH 44711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 0.87% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 3313 LEE ST NW NORTH CANTON, OH 44720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.70% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE ROAD NEW CASTLE, PA 16105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.67% |
| BEYLAND CONSULTANTS INC3 | 519 WINDSOR PARK DRIVE DAYTON, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.18% |
| PETRINA SKILES3 Filed as: PETRINA SKILES BENEFITS INC | 402 SPRINGTON WAY LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAIME A BROWN | 2219-C 30TH STREET GULFPORT, MS 39501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| LAWRENCE PRICHARD3 | 1204 EATON AVE MIDDLETOWN, OH 45044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE | 162 | $373K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $86K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $86K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $20K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 105 | $55K |
| Prescription drug | AULTCARE | 162 | $373K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.