| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIANA GILLESPIE3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $938 | $7K | 6.44% |
| MORRIS FINANCIAL GROUP3 Filed as: MORRIS FINANCIAL GROUP INC | 272 PENN AVE SALEM, OH 44460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $171 | $4K | 3.78% |
| KAREN L VARGO3 | 949 SHOREWOOD DR FREMONT, OH 43420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $3 | $1K | 1.15% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.03% |
| CHRISTOPHER L MOLDAS3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $106 | $1K | 1.02% |
| CAROL JANE RILEY3 | 13911 LISBON RD SALEM, OH 44460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $862 | $8 | $870 | 0.77% |
| DANEEN MARIE PURPURA3 | 4228 ROYALWOOD RD N. ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $588 | $5 | $593 | 0.52% |
| MICHAEL J SWANSON | 7734 MORLEY RD MENTOR, OH 44060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | — | $274 | 0.24% |
| LAUREL ANN ARNOLD3 | 10259 THISTLE CT BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.04% |
| TERI LYNN WHITE3 | 2890 DUNBARTON AVE NW CANTON, OH 44708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| ABRAHM ALEXANDER ZUGELJ3 | 1355 BUCKINGHAM GATE BLVD 13 CUYAHOGA FALLS, OH 44221 | COLONIAL LIFE & ACCIDENT 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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 136 | $113K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 136 | $113K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 136 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.