| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIANA GILLESPIE3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $468 | $8K | 6.97% |
| MORRIS FINANCIAL GROUP3 Filed as: MORRIS FINANCIAL GROUP INC | 272 PENN AVE SALEM, OH 44460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 4.28% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $383 | $2K | 1.69% |
| CHRISTOPHER L MOLDAS3 | 1122 BOULDER LN APT 202 KENT, OH 44240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $260 | $2K | 1.37% |
| CAROL JANE RILEY3 | 13911 LISBON RD SALEM, OH 44460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $19 | $1K | 1.03% |
| DANEEN MARIE PURPURA3 | 4228 ROYALWOOD RD N. ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $59 | $1K | 0.92% |
| D STEVEN SMELCER | 7676 MEHAFFEY RD LIMA, OH 45801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 0.20% |
| JOSEPH CRAIG TACKETT | 304 LEBEAU DR NICHOLASVILLE, KY 40356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $27 | $179 | 0.15% |
| TREVOR JOSEPH PHILLIPS | 23153 SENECA TRL THOMAS, WV 26292 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $97 | $167 | 0.14% |
| DANIELLE LEE SWAIN | 3348 KLAGES BLVD TALLMADGE, OH 44278 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.10% |
| KAREN L VARGO3 | 949 SHOREWOOD DR FREMONT, OH 43420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.07% |
| TODD J STRBIK Filed as: TODD STRBIK | 1727 NEMOKE TR 4 HASLETT, MI 48840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $3 | $33 | 0.03% |
| NORTHWEST ENROLLX LLC | 1910 INDIAN WOOD CIR MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $1 | $23 | 0.02% |
| REGINA SCHMUTTE | 4999 HARTLAND PKWY LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $15 | $22 | 0.02% |
| PAUL EDWARD KOONTZ | 714 VENTURE DR 134 MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $14 | $21 | 0.02% |
| ROBERT BERNARD SCHMUTTE | 4999 HARTLAND PKWY LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $5 | $12 | 0.01% |
| JEREMY SAMPSEL | 401 HALL ST SW GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 163 | $119K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 163 | $119K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 163 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.