| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 PARK CENTRAL 7 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $120K | $14K | $134K | 15.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.32% |
| HENSLEY AND ASSOCIATES LLC3 Filed as: HENSLEY AND ASSOC AND OTHER AGENTS | 9465 RIVIERA DRIVE UNION, KY 41091 | AFLAC | $1K | $10 | $1K | 3.81% |
| DEBORAH SOLOMON3 | 5582 DUMFRIES COURT WEST DUBLIN, OH 43017 | AFLAC | $644 | $22 | $666 | 2.37% |
| CHARLES F SMITH JR3 Filed as: CHARLES FRANK SMITH JR ESTATE | 1666 BUERGER STREET MARYSVILLE, OH 43040 | AFLAC | $573 | $0 | $573 | 2.04% |
| SOLOMON SMITH BENEFITS INC3 | 5582 DUMFRIES COURT WEST DUBLIN, OH 43017 | AFLAC | $441 | $0 | $441 | 1.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $405 | $0 | $405 | 1.44% |
| BRANDON L MILLER3 Filed as: BRANDON MILLER | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $278 | $27 | $305 | 1.08% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | AFLAC | $269 | $0 | $269 | 0.96% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 24.31% |
| BENEFITNESS, LLC4 Filed as: BENEFITNESS LLC | 420 REGENT STREET, SUITE 200 COLUMBUS, OH 43219 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $97 | $0 | $97 | 1.08% |
| RON E. WOLFINGER4 | 146 WINTERFIELD DRIVE PATASKLA, OH 43062 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $86 | $0 | $86 | 0.95% |
| REB CONSULTING, INC.4 Filed as: REB CONSULTING DBA OPEC. US INS. | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $67 | $0 | $67 | 0.74% |
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 | 747 | 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) | 747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 39 | $69K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 747 | $857K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 747 | $857K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 747 | $857K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 747 | $885K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 747 | $857K |
| Prescription drug | RELIANCE STANDARD LIFE INSURANCE COMPANY | 39 | $69K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,315 | $944K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,315 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.