| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL A KRAMER3 | 131 E HIGH ST. LAWRENCEBURG, IN 470251821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 11.80% |
| PINNACLE ADVISORY GROUP OF INDIANA3 Filed as: PINNACLE ADVISORY GROUP, INC. | 131 E. HIGH ST. LAWRENCEBURG, IN 47025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.41% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD STE H1 NEW CASTLE, PA 16105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.20% |
| KATIE MIRACLE AGENCY3 | 112 RICH ROAD LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.03% |
| MICHAEL A KRAMER3 | 131 E HIGH ST LAWRENCEBURG, IN 470251821 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.72% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.88% |
| MARK L HUFHAND3 | 3313 LEE ST NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $494 | — | $494 | 0.87% |
| RICHARD GARLAND BAILEY3 | 131 KING LEES COURT LEXINGTON, SC 29072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $396 | — | $396 | 0.70% |
| LEIGH ANN KENDRA MAURER3 | 1604 SUTTON AVENUE #4 CINCINNATI, OH 45230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $264 | — | $264 | 0.47% |
| JOHN CAUPP3 | 936 ORVILLE WAY XENIA, OH 45385 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $155 | — | $155 | 0.27% |
| CATHY S STEINMETZ3 | 4674 RIVERDALE RD BOLIVAR, OH 44612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.08% |
| HEALTHSPAN3 | 30 MERCHANT STREET SUITE 300 CINCINNATI, OH 45246 | NATIONAL UNION FIRE INSURANCE COMPANY | $948 | — | $948 | 5.55% |
| MEDICAL BENEFITS ADMINISTRATORS5 | 1975 TAMARACK ROAD NEWARK, OH 43055 | NATIONAL UNION FIRE INSURANCE COMPANY | $948 | — | $948 | 5.55% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 315 | $131K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 315 | $74K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 315 | $74K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 315 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
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.