| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WASHINGTON ENTERPRISES INC3 | 515 EXECUTIVE CAMPUS DR SUITE 120 WESTERVILLE, OH 43082 | UNITED HEALTHCARE INSURANCE COMPANY | -$120 | $91K | $91K | 3.35% |
| ROBERTA DICKINSON3 Filed as: ROBERTA A PRICE-LITTLE | 9408 CHERRY TREE STRONGSVILLE, OH 44136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $32K | $35K | 28.44% |
| CHRISTOPHER TODD NEWMAN3 | 13130 W 130TH ST STONGSVILLE, OH 44136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $17K | $24K | 19.58% |
| WASHINGTON ENTERPRISES INC3 | 515 EXECUTIVE CAMPUS DR WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | — | $24K | 19.37% |
| GREGORY PAUL STAUDINGER3 | 3 SUMMIT PARK DRIVE INDEPENDENCE, OH 44131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $5K | $21K | 16.84% |
| BRANDON WOODALL3 | 1721 LAKE AVE ELYRIA, OH 44035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $13K | $15K | 12.08% |
| JOSEPH BADGER3 | 1565 MAIN ST PENINSULA, OH 44264 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $696 | $3K | $3K | 2.76% |
| JEFFREY ALLAN MARTIN3 | 26775 SLEEPY HOLLOW DR WESTLAKE, OH 44145 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $941 | $2K | $3K | 2.71% |
| WENDY ALI3 | 931 DARYL DR SOUTH EUCLID, OH 44124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $696 | $2K | $3K | 2.27% |
| WASHINGTON ENTERPRISE INC3 | 6009 LANDVERHAVEN DR MAYFIELD HEIGHTS, OH 44124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.21% |
| WASHINGTON ENTERPRISE INC3 | 515 EXECUTIVE CAMPUS DR WESTERVIELL, OH 43082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| WASHINGTON ENTERPRISE INC3 | 515 EXECUTIVE CAMPUS DR WESTERVILLE, OH 43082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $428 | — | $428 | 10.00% |
| WASHINGTON ENTERPRISE INC3 | 515 EXECUTIVE CAMPUS DR WESTERVILLE, OH 43082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| WASHINGTON ENTERPRISES INC3 | 515 EXECUTIVE CAMPUS DR WESTERVILLE, OH 43082 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | — |
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 | 427 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 425 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 427 | $0 |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 392 | $129K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 385 | $11K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 404 | $35K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 392 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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."
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.
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.