| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREEMAN HEYNE SCHALLER LLC3 | 10250 ALLIANCE RD SUITE 125 CINCINNATI, OH 45242 | AETNA LIFE INSURANCE CO. | $52K | — | $52K | 3.91% |
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED BENEFIT SERVICES | P.O. BOX 868 DELAWARE, OH 43015 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 0.31% |
| FREEMAN HEYNE SCHALLER LLC3 | 10250 ALLIANCE RD SUITE 125 CINCINNATI, OH 45242 | GUARDIAN LIFE INSURANCE CO | $4K | $4K | $8K | 12.14% |
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED BENEFIT SERVICE | 575 A SUNBURY RD P.O. BOX 868 DELAWARE, OH 43015 | GUARDIAN LIFE INSURANCE CO | $916 | — | $916 | 1.42% |
| LIFETIME FINANCIAL GROWTH CO O3 | 419 PLUM STREET CINCINNATI, OH 45202 | GUARDIAN LIFE INSURANCE CO | $18 | — | $18 | 0.03% |
| JOHN AND SUSAN MAY3 | 734 HAWKSBURY WAY POWELL, OH 43065 | COMPANION LIFE INSURANCE CO | $6K | — | $6K | 10.19% |
| MAY INSURANCE SERVICES INC3 Filed as: MAY INSURANCE SERVICES | 110 NORTHWOODS BLVD COLUMBUS, OH 43235 | COMPANION LIFE INSURANCE CO | $3K | — | $3K | 5.13% |
| KEVIN C KENNEDY3 | 9261 ADDINGTON PL POWELL, OH 43065 | COMPANION LIFE INSURANCE CO | $4K | — | $4K | 10.71% |
| MAY INSURANCE SERVICES INC3 Filed as: MAY INSURANCE SERVICES | 110 NORTHWOODS BLVD COLUMBUS, OH 43235 | COMPANION LIFE INSURANCE CO | $2K | — | $2K | 5.35% |
| KEVIN C KENNEDY3 | 9261 ADDINGTON PL POWELL, OH 43065 | COMPANION LIFE INSURANCE CO | $3K | — | $3K | 9.94% |
| MAY INSURANCE SERVICES INC3 Filed as: MAY INSURANCE SERVICES | 110 NORTHWOODS BLVD STE C COLUMBUS, OH 43235 | COMPANION LIFE INSURANCE CO | $2K | — | $2K | 4.97% |
| VIRA MARULI3 | 620 LIBERTY RD DELAWARE, OH 43065 | COMPANION LIFE INSURANCE CO | $1K | — | $1K | 12.69% |
| MAY INSURANCE SERVICES INC3 Filed as: MAY INSURANCE SERVICES | 110 NORTHWOODS BLVD COLUMBUS, OH 43235 | COMPANION LIFE INSURANCE CO | $667 | — | $667 | 6.34% |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 240 | $1.3M |
| Dental(4 contracts) | COMPANION LIFE INSURANCE CO | 111 | $145K |
| Life insurance(5 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO | 111 | $209K |
| Short-term disability(4 contracts) | COMPANION LIFE INSURANCE CO | 111 | $145K |
| Long-term disability(4 contracts) | COMPANION LIFE INSURANCE CO | 111 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.