| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIANA GILLESPIE3 | 3706 VALLEY FORGE DR. STOW, OH 44224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $559 | $6K | 5.18% |
| MORRIS FINANCIAL GROUP3 Filed as: MORRIS FINANCIAL GROUP INC. | 272 PENN AVE. SALEM, OH 44460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $70 | $3K | 3.04% |
| CAROL JANE RILEY3 | 489 FAIR AVE. SALEM, OH 44460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $44 | $1K | 1.18% |
| DANEEN MARIE PURPURA3 | 4228 ROYALWOOD RD. N. ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $945 | $24 | $969 | 0.85% |
| LAUREL ANN ARNOLD3 | 1485 PEPPERCORN CT. BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $786 | $10 | $796 | 0.70% |
| CHRISTINE GILBRIDE3 | 14105 BIDWELL AVE. CLEVELAND, OH 44111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $0 | $166 | 0.15% |
| KAYLA FISHER3 | 800 EVERHARD RD. SW APT 305 NORTH CANTON, OH 44709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.