| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRI J BUTLER3 Filed as: TERRI JUNE BUTLER | 1052 BEDDINGFIELD PLACE WESTERVILLE, OH 43081 | AFLAC | $15K | $0 | $15K | 22.75% |
| MARSHAL DAVIS3 | 8010 MARBELLA CREEK AVENUE TAMPA, FL 33625 | AFLAC | $12K | $0 | $12K | 17.87% |
| AMBER D STEIN3 Filed as: AMBER D. STEIN | 14966 ROBINS ROAD JOHNSTOWN, OH 43031 | AFLAC | $4K | $417 | $5K | 6.72% |
| MARCUS WAYNE MCREE3 | 5758 ALFIE PLACE COLUMBUS, OH 43213 | AFLAC | $4K | $0 | $4K | 6.42% |
| ANDREW J LOEWEN3 Filed as: ANDREW J. LOEWEN | 1103 SCHROCK ROAD, SUITE 303 COLUMBUS, OH 43229 | AFLAC | $2K | $0 | $2K | 3.66% |
| KIDANY LUGO SANTIAGO3 | 9441 CHARDON CIRCLE APARTMENT 111 WEST CHESTER, OH 45069 | AFLAC | $1K | $0 | $1K | 1.79% |
| MORGAN LOEWEN3 | 5505 BELLERIVE PLACE WESTERVILLE, OH 43082 | AFLAC | $83 | $0 | $83 | 0.12% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AFLAC | 180 | $67K |
| Short-term disability | AFLAC | 180 | $67K |
| Other | AFLAC | 180 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.