| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 8031 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $382K | $382K | 4.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 2.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 28031 NEW YORK, NY 10087 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 5.50% |
| SEVEN HILLS INSURANCE AGENCY INC3 | 312 ELM ST SUITE 1100 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 22.87% |
| KATHRYN HOFFMAN3 Filed as: KATHRYN E HOFFMAN | 755 DORGENE LN. CINCINNATI, OH 45244 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 7.14% |
| LINDA R MENDEZ3 | 11260 CHESTER ROAD CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | $0 | $66 | 0.44% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 7814 CRAINDOW CT DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | $0 | $60 | 0.40% |
| CHRISTOPHER E BIALKA3 | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | $0 | $52 | 0.35% |
| GINA L GAXIOLA3 | 730 MANDEVILLA WAY CORONA, CA 92879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 0.29% |
| MELISSA A BRINKER3 | 8150 CORPORATE PARK DRIVE #222 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.12% |
| MITCHELL B RUCKO3 | 11 EUCLID AVE. KINGSTON, NJ 08528 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.10% |
| ELAINE GAUDY3 | 159 LAUREL AVENUE WEST KEANSBURG, NJ 07734 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.07% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP, INC. | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 07920 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.05% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY RD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.03% |
| KERSTIN J VANZANTEN3 | 40152 STOWE RD TEMECULA, CA 92591 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA M D'AGOSTINO | 271 US HIGHWAY 46 SUITE D207 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| MICHELE A UNDERELL3 | 3682 TAFT CT WHEAT RIDGE, CO 80033 | AFLAC | $67 | $0 | $67 | 2.08% |
| KATHRYN HOFFMAN3 Filed as: KATHRYN E HOFFMAN | 755 DORGENE LN CINCINNATI, OH 45244 | AFLAC | $60 | $0 | $60 | 1.86% |
| PATRICIA GAIL LEES3 | 1124 CHURCHS ST BURBANK, CA 91501 | AFLAC | $37 | $0 | $37 | 1.15% |
| LAUREN S GREENE3 | 436D COUNTY ROAD 57 DENNIS, MS 38838 | AFLAC | $37 | $0 | $37 | 1.15% |
| MELISSA A BRINKER3 | 4998 BARNSBY LN CINCINNATI, OH 45244 | AFLAC | $25 | $0 | $25 | 0.78% |
| MARTIN A. ABRAMSON3 Filed as: MARTIN A ABRAMSON | 13407 W ANAPAMA DR SUN CITY WEST, AZ 85375 | AFLAC | $22 | $0 | $22 | 0.68% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $19 | $0 | $19 | 0.59% |
| MAXINE E AMDUR3 | 3 SCOTT LN MANALAPAN, NJ 07726 | AFLAC | $12 | $0 | $12 | 0.37% |
| MICHAEL P VEREKER3 | 3505 FREEMAN AVE HAMILTON, OH 45015 | AFLAC | $11 | $0 | $11 | 0.34% |
| JOSEPH A BUZZELLO3 | 14747 N NORTHSIGHT BLVD STE 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $11 | $0 | $11 | 0.34% |
| MARLENE R. GUTTMAN, LLC3 Filed as: MARLENE R GUTTMAN | 9201 SHALLOW CREEK DR LOVELAND, OH 45140 | AFLAC | $7 | $0 | $7 | 0.22% |
| KEVIN R MCINERNEY3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $7 | $0 | $7 | 0.22% |
| THOMPSON & ASSOCIATES INSURANCE INC3 | 2743 S SANDPIPER AVE ONTARIO, CA 91761 | AFLAC | $7 | $0 | $7 | 0.22% |
| BENNY W STENNETT3 | 5 COUNTY ROAD 230 CORINTH, MS 38834 | AFLAC | $6 | $0 | $6 | 0.19% |
| MELISSA ANN BRAUN3 | 5684 UMLAND LANE THE VILLAGES, FL 32163 | AFLAC | $5 | $0 | $5 | 0.16% |
| SHAMON D THOMPSON3 | 2743 S SANDPIPER AVE ONTARIO, CA 91761 | AFLAC | $5 | $0 | $5 | 0.16% |
| MICHAEL E MCCARTHY3 | 143 W WARFIELD DR MOORESVILLE, NC 28115 | AFLAC | $4 | $0 | $4 | 0.12% |
| ESMERALDA M LUCAS3 | 2135 GLENFIELD TRCE CUMMING, GA 30041 | AFLAC | $4 | $0 | $4 | 0.12% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 19040 | AFLAC | $4 | $0 | $4 | 0.12% |
| TONYA S LANCASTER3 | 1820 THE EXCHANGE SE, STE 750 ATLANTA, GA 30339 | AFLAC | $3 | $0 | $3 | 0.09% |
| FIA INSURANCE SERVICES INC3 | 373 VAN NESS AVE, STE. 240 TORRANCE, CA 90501 | AFLAC | $3 | $0 | $3 | 0.09% |
| ESTHER S KIM3 | 8214 GARIBALDI AVE SAN GABRIEL, CA 91775 | AFLAC | $3 | $0 | $3 | 0.09% |
| DAVID J REESOR3 | 1615 WILSON AVE UPLAND, CA 91784 | AFLAC | $3 | $0 | $3 | 0.09% |
| RONALD J GRETHEL3 | 118 HIGHCLIFF CT LOVELAND, OH 45140 | AFLAC | $1 | $0 | $1 | 0.03% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $1 | $0 | $1 | 0.03% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $1 | $0 | $1 | 0.03% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $1 | $0 | $1 | 0.03% |
| RANDALL D LADNER3 | 18 53RD CIRC GULFPORT, MS 39507 | AFLAC | $1 | $0 | $1 | 0.03% |
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 | 642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 503 | $9.1M |
| Vision | VISION SERVICE PLAN | 531 | $70K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 628 | $667K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 628 | $667K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 628 | $726K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.