| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD STE H1 NEW CASTLE, PA 16105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $10K | 8.63% |
| MICHAEL A KRAMER3 | 131 E HIGH ST. LAWRENCEBURG, IN 470251821 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 7.85% |
| KATIE MIRACLE AGENCY3 Filed as: KATIE MIRACLE | 112 RICH ROAD LOVELAND, OH 45140 | ALLSTATE INSURANCE | $3K | — | $3K | 4.11% |
| MICHAEL A KRAMER3 | 131 E HIGH ST LAWRENCEBURG, IN 470251821 | ALLSTATE INSURANCE | $3K | — | $3K | 3.71% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD SUITE H-1 NEW CASTLE, PA 16105 | ALLSTATE INSURANCE | $2K | — | $2K | 3.03% |
| MARK L HUFHAND3 | 3313 LEE ST NORTH CANTON, OH 44720 | ALLSTATE INSURANCE | $796 | — | $796 | 1.17% |
| RICHARD GARLAND BAILEY3 | 131 KING LEES COURT LEXINGTON, KY 29072 | ALLSTATE INSURANCE | $624 | — | $624 | 0.92% |
| CATHY S STEINMETZ3 | 1300 CHRISTMAS SEAL DR NW CANTON, OH 44709 | ALLSTATE INSURANCE | $449 | — | $449 | 0.66% |
| JOHN CAUPP3 | 936 ORVILLE WAY XENIA, OH 45385 | ALLSTATE INSURANCE | $370 | — | $370 | 0.54% |
| HEALTHSPAN3 | 30 MERCHANT STREET SUITE 300 CINCINNATI, OH 45246 | NATIONAL UNION FIRE INSURANCE COMPANY | $894 | — | $894 | 5.56% |
| MEDICAL BENEFITS ADMINISTRATORS5 | 1975 TAMARACK ROAD NEWARK, OH 43055 | NATIONAL UNION FIRE INSURANCE COMPANY | $894 | — | $894 | 5.56% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $188K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $120K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $120K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
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.