| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREEMAN HEYNE SCHALLER LLC3 | 10250 ALLIANCE RD SUITE 125 CINCINNATI, OH 45242 | UNITEDHEALTHCARE INS CO | $0 | $59K | $59K | 3.91% |
| KEVIN C KENNEDY3 | 9261 ADDINGTON PLACE POWELL, OH 43065 | COMPANION LIFE INS CO | $12K | — | $12K | 8.72% |
| MAY INSURANCE SERVICES INC3 | 110 NORTHWOODS BLVD STE C COLUMBUS, OH 43235 | COMPANION LIFE INS CO | $6K | — | $6K | 4.36% |
| DONNA L FREEMAN3 | 10250 ALLIANCE RD SUITE 125 CINCINNATI, OH 45242 | UNITED OF OMAHA LIFE INS CO | $8K | — | $8K | 15.00% |
| KEVIN C KENNEDY3 Filed as: KEVIN KENNEDY | 9261 ADDINGTON PL POWELL, OH 43065 | STANDARD LIFE & ACCIDENT | $2K | — | $2K | 10.00% |
| BROKERNET INC3 Filed as: BROKERNET, INC | 110 NORTHWOODS BLVD STE C COLUMBUS, OH 43235 | STANDARD LIFE & ACCIDENT | $1K | — | $1K | 5.00% |
| MWL3 | P.O. BOX 14067 JACKSON, MS 39236 | STANDARD LIFE & ACCIDENT | $1K | — | $1K | 5.00% |
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 | 235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INS CO | 304 | $1.5M |
| Dental | COMPANION LIFE INS CO | 227 | $134K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INS CO | 227 | $186K |
| Short-term disability | COMPANION LIFE INS CO | 227 | $134K |
| Long-term disability | COMPANION LIFE INS CO | 227 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.