| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON MYERS & ASSOCIATES INC3 Filed as: GIBSON MYERS AND ASSOC. INC. | 2876 SOUTH ARLINGTON ROAD AKRON, OH 44312 | MEDICAL MUTUAL | $43K | $20 | $43K | 3.90% |
| GIBSON MYERS & ASSOCIATES INC3 Filed as: GIBSON MYERS AND ASSOC. INC. | 2876 SOUTH ARLINGTON ROAD AKRON, OH 44312 | MEDICAL MUTUAL | $4K | — | $4K | 3.88% |
| JOSEPH MANGANO3 | 6505 ROCKSIDE ROAD, SUITE 125 INDEPENDENCE, OH 44131 | AFLAC | $3K | $44 | $3K | 9.79% |
| A C LONG & ASSOCIATES INC3 Filed as: A C LONG AND ASSOCIATES INC | 1133 MEDINA ROAD, SUITE 200 MEDINA, OH 44256 | AFLAC | $1K | $16 | $1K | 3.30% |
| ERIC M ARMBRUSTER3 | 3022 AMHERST AVENUE LORAIN, OH 44052 | AFLAC | $943 | — | $943 | 2.86% |
| MJ INSURANCE3 Filed as: MAKOWSKI INS. AND VARIOUS AGENTS | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $438 | $39 | $477 | 1.45% |
| KEVIN WRONA3 | 4086 FAR O WAY LANE RICHFIELD, OH 44286 | AFLAC | $381 | $14 | $395 | 1.20% |
| CHRISTOPHER M WILLBUR3 | 7178 NORTH CHURCHILL PLACE PAINESVILLE, OH 44077 | AFLAC | $227 | — | $227 | 0.69% |
| HARE AND ASSOCIATES LLC3 | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | AFLAC | $135 | $2 | $137 | 0.42% |
| JOSEPH MANGANO3 | 6505 ROCKSIDE ROAD, SUITE 125 INDEOENDENCE, OH 44131 | AFLAC | $947 | $132 | $1K | 15.73% |
| ERIC M ARMBRUSTER3 | 3022 AMHERST AVENUE LORAIN, OH 44052 | AFLAC | $241 | — | $241 | 3.51% |
| A C LONG & ASSOCIATES INC3 Filed as: A C LONG AND ASSOCIATES INC | 1133 MEDINA ROAD, SUITE 200 MEDINA, OH 44256 | AFLAC | $178 | $16 | $194 | 2.83% |
| CHRISTOPHER M WILLBUR3 | 7178 NORTH CHURCHILL PLACE PAINESVILLE, OH 44077 | AFLAC | $149 | — | $149 | 2.17% |
| MJ INSURANCE3 Filed as: MAKOWSKI INS AND VARIOUS AGENTS | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $67 | $16 | $83 | 1.21% |
| TIMOTHY R QUINLAN3 | 6505 ROCKSIDE ROAD INDEOENDENCE, OH 44131 | AFLAC | $79 | — | $79 | 1.15% |
| KEVIN WRONA3 | 4086 FAR O WAY LANE RICHFIELD, OH 44286 | AFLAC | $60 | — | $60 | 0.87% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | MEDICAL MUTUAL | 126 | $1.2M |
| Dental(2 contracts) | MEDICAL MUTUAL | 126 | $1.2M |
| Vision(2 contracts) | MEDICAL MUTUAL | 126 | $1.2M |
| Life insurance(2 contracts) | MEDICAL MUTUAL | 126 | $1.2M |
| Short-term disability(2 contracts) | AFLAC | 74 | $40K |
| Prescription drug(2 contracts) | MEDICAL MUTUAL | 126 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.