| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD, SUITE 500 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN, INC. | $3K | $0 | $3K | 3.08% |
| CARLA CARR3 Filed as: CARLA R. CARR | PO BOX 176603 FORT MITCHELL, KY 41017 | AFLAC | $2K | $0 | $2K | 7.62% |
| MELISSA S SHNIDER3 Filed as: MELISSA SUE SHNIDER | 3000 WOLF CREEK WAY BURLINGTON, KY 41005 | AFLAC | $942 | $0 | $942 | 3.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 309 WEBSTER STREET DAYTON, OH 45402 | AFLAC | $890 | $0 | $890 | 3.38% |
| SANDRA OBER3 | 2639 UPPER 5 MILE ROAD WILLIAMSBURG, OH 45176 | AFLAC | $684 | $0 | $684 | 2.60% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $422 | $0 | $422 | 1.60% |
| MJ INSURANCE3 Filed as: JAMIE GAUDET AND VARIOUS AGENTS | 3923 WEST WAPOOT STREET MERIDIAN, ID 83646 | AFLAC | $406 | $0 | $406 | 1.54% |
| DANIEL E. CARR3 | 10578 WILLIAMSWOODS DRIVE INDEPENDENCE, KY 41051 | AFLAC | $70 | $0 | $70 | 0.27% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $766 | $0 | $766 | 13.31% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD, SUITE 500 CINCINNATI, OH 45236 | THE DENTAL CONCERN, INC. | $502 | $0 | $502 | 10.06% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 76 | $87K |
| Dental | THE DENTAL CONCERN, INC. | 101 | $5K |
| Vision | THE DENTAL CONCERN, INC. | 101 | $5K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $6K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $6K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $6K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 76 | $87K |
| Other | AFLAC | 25 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.