| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREEMAN HEYNE SCHALLER LLC3 Filed as: FREEMAN HEYNE SCHALLER | 10250 ALLIANCE RD STE 125 CINCINNATI, OH 45242 | AETNA LIFE INSURANCE CO | $62K | — | $62K | 3.87% |
| KEVIN C KENNEDY3 | 9261 ADDINGTON PL POWELL, OH 43065 | COMPANION LIFE INSURANCE CO | $6K | $7 | $6K | 7.54% |
| MAY INSURANCE SERVICES INC3 Filed as: MAY INSURANCE SERVICES | 110 NORTHWOODS BLVD STE C COLUMBUS, OH 43235 | COMPANION LIFE INSURANCE CO | $3K | $3 | $3K | 3.77% |
| FREEMAN HEYNE SCHALLER LLC3 Filed as: FREEMAN HEYNE SCHALLER | 10250 ALLIANCE RD STE 125 CINCINNATI, OH 45242 | GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 8.00% |
| KEVIN C KENNEDY3 | 9261 ADDINGTON PL POWELL, OH 43065 | COMPANION LIFE INSURANCE CO | $3K | $7 | $3K | 8.74% |
| MAY INSURANCE SERVICES INC3 | 110 NORTHWOODS BLVD STE C COLUMBUS, OH 43235 | COMPANION LIFE INSURANCE CO | $1K | $3 | $1K | 4.37% |
| KEVIN C KENNEDY3 | 9261 ADDINGTON PL POWELL, OH 43065 | COMPANION LIFE INSURANCE CO | $2K | $7 | $2K | 8.93% |
| MAY INSURANCE SERVICES INC3 | 110 NORTHWOODS BLVD STE C COLUMBUS, OH 43235 | COMPANION LIFE INSURANCE CO | $1K | $3 | $1K | 4.46% |
| KEVIN C KENNEDY3 | 9261 ADDINGTON PL POWELL, OH 43065 | COMPANION LIFE INSURANCE CO | $961 | $7 | $968 | 7.63% |
| MAY INSURANCE SERVICES INC3 | 110 NORTHWOODS BLVD STE C COLUMBUS, OH 43235 | COMPANION LIFE INSURANCE CO | $481 | $3 | $484 | 3.81% |
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 | 368 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 329 | $1.6M |
| Dental(4 contracts) | COMPANION LIFE INSURANCE CO | 220 | $146K |
| Life insurance(5 contracts, 2 carriers) | COMPANION LIFE INSURANCE CO | 220 | $223K |
| Short-term disability(4 contracts) | COMPANION LIFE INSURANCE CO | 220 | $146K |
| Long-term disability(4 contracts) | COMPANION LIFE INSURANCE CO | 220 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.