| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | $179 | $25K | 6.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | PO BOX 3009 ALRINGTON HEIGHTS, IL 60006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $315 | $9K | 2.54% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $750 | $9K | 2.44% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M IGNASIAK | 8427 MUIRLAND DRIVE CLEVELAND, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $283 | $5K | 1.27% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD CLEVELAND, OH 44131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.85% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A WILLHITE | 3619 1/2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $114 | $3K | 0.85% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $76 | $2K | 0.66% |
| BETH MATHIAS-KUHL3 | 2031 SHATTO DRIVE BELGRADE, MT 59714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $152 | $2K | 0.43% |
| HELEN DIZ-HATTON3 Filed as: HELEN E MCCREADY | 1767 25TH STREET CUYAHOGA FALLS, OH 44223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $479 | — | $479 | 0.13% |
| SYBIL KENNEDY3 | 2511 INTERLACHEN BILLINGS, MT 59105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | — | $187 | 0.05% |
| MAXIMUM BENEFIT SOLUTIONS LLC3 | 139 GRANITE PEAK DRIVE BOZEMAN, MT 59718 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | $29 | $165 | 0.05% |
| DAWN T SUCHECKI3 Filed as: DAWN RENEE MORGAN | 6413 DUNMOOR DRIVE PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $27 | $134 | 0.04% |
| AMY PARTEE3 | 6665 STONE ROAD MEDINA, OH 44256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 0.04% |
| SUZANNE ELIZABETH HARDY3 | 7245 WILLOW WAY NORTH OLMSTEAD, OH 44070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.03% |
| DAVID L SMELCER3 | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.03% |
| AMANDA MARIE MILOJEVIC3 | 4113 CENTER ROAD #104 BRUNSWICK, OH 44212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.02% |
| VALENE M WOLFE3 | 1265 CIRCLE DRIVE AKRON, OH 44310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HORNE | 3410 MAGNOLIA WAY BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.01% |
| DIANA GILLESPIE3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.01% |
| MORRIS FINANCIAL GROUP3 Filed as: MORRIS FINANCIAL GROUP INC. | 272 PENN AVE SALEM, OH 44460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1111 SUPERIOR AVENUE EAST #1601 CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $45 | $18K | 6.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 7.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC. | 800 CAPITAL CIRCLE SE - UNIT 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 22.60% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC. | 800 CAPITAL CIRCLE SE - UNIT 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 1,364 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 804 | $305K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,364 | $57K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 804 | $337K |
| Short-term disability(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 482 | $407K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 472 | $356K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 804 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,364 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.