| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEINMETZ INSURANCE LLC3 | 4674 RIVERDALE ST BOLIVAR, OH 44612 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.19% |
| STEINMETZ INSURANCE LLC3 | 4674 RIVERDALE ST BOLIVAR, OH 44612 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 18.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 440 POLARIS PARKWAY, STE 400 WESTERVILLE, OH 43082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.20% |
| DONNA L BEYLAND3 | 519 WINDSOR PARK DRIVE DAYTON, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 1.56% |
| CATHY S STEINMETZ3 Filed as: CATHY STEINMETZ | 4674 RIVERDALE RD BOLIVAR, OH 44612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 1.30% |
| BRYAN RICHARD BEYLAND3 | 8811 YANKEE COVE COURT CENTERVILLE, OH 45458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 1.24% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 925 S MAIN ST NORTH CANTON, OH 44720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.51% |
| MICHAEL W BERUBE3 Filed as: MICHAEL BERUBE | PO BOX 9825 CANTON, OH 44711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.49% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.45% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.21% |
| BEYLAND CONSULTANTS INC3 | 519 WINDSOR PARK DRIVE DAYTON, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAIME A BROWN | 2219-C 30TH STREET GULFPORT, MS 39501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| RICHARD BEYLAND3 | 519 WINDSOR PARK DRIVE CENTERVILLE, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| LAWRENCE PRICHARD3 | 650 SKAGGS LANE HILLSBOROUGH, KY 41049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $78K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $78K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 244 | $17K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 74 | $38K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 244 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.