| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKERS ALLIANCE OF OHIO INC3 | 12 SHORES DRIVE POLAND, OH 44514 | MEDICAL MUTUAL | $42K | — | $42K | 3.64% |
| BROKERS ALLIANCE OF OHIO INC3 Filed as: BROKERS ALLIANCE OF OHIO, INC. | 12 SHORES DRIVE POLAND, OH 44514 | DELTA DENTAL OF OHIO | $7K | — | $7K | 9.94% |
| BROKERS ALLIANCE OF OHIO INC3 Filed as: BROKERS ALLIANCE OF OHIO | 12 SHORES DRIVE YOUNGSTOWN, OH 44514 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $325 | $6K | 9.42% |
| ROBERT M GEARHART3 | 1175 E. CALLA RD B202 POLAND, OH 44514 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.85% |
| LIFETIME FINANCIAL GROWTH3 | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 0.03% |
| BROKERS ALLIANCE OF OHIO INC3 Filed as: BROKERS ALLIANCE OF OHIO, INC. | 12 SHORES DRIVE POLAND, OH 44514 | DELTA DENTAL OF OHIO | $4K | — | $4K | 9.94% |
| BRADLEY MELVIN3 | 2895 W CALLA RD CANFIELD, OH 44406 | AFLAC | $3K | $41 | $3K | 10.69% |
| ANGELA MEEKS3 | 4783 OVERLOOK DR GENEVA, OH 44041 | AFLAC | $614 | — | $614 | 2.05% |
| THOMAS J HOUSER3 Filed as: THOMAS HOUSER | 2720 BRIARWOOD CT POLAND, OH 44514 | AFLAC | $435 | $8 | $443 | 1.48% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST STE 2400 CINCINNATI, OH 45202 | AFLAC | $353 | — | $353 | 1.18% |
| BRADLEY KAUFFMAN3 | 315 GREEN RIDGE RD STE H1 NEW CASTLE, PA 16105 | AFLAC | $326 | — | $326 | 1.09% |
| JUDY KAUFFMAN3 | PO BOX 135 NEW WILMINGTON, PA 16142 | AFLAC | $204 | — | $204 | 0.68% |
| MICHAEL YOST3 | PO BOX 14218 POLAND, OH 44514 | AFLAC | $145 | — | $145 | 0.48% |
| LEON KOKAL3 | 10478 TOLLAND DR AURORA, OH 44202 | AFLAC | $144 | $0 | $144 | 0.48% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 3199 SIOUX CONIFER RD WATERTOWN, SD 57201 | AFLAC | $116 | — | $116 | 0.39% |
| LEWIS P AGNONE3 Filed as: LEWIS AGNONE | 360 EASTWOOD DR HUBBARD, OH 44425 | AFLAC | $70 | $8 | $78 | 0.26% |
| ASSOCIATION GROUP INSURANCE AGENCY3 Filed as: ASSOCIATION GROUP INS AGCY | PO BOX 126 NILES, OH 44446 | AFLAC | $38 | — | $38 | 0.13% |
| GEORGE C MALINKY3 Filed as: GEORGE MALINKY | 7000 NEW RD YOUNGSTOWN, OH 44515 | AFLAC | $35 | — | $35 | 0.12% |
| MAKOWSKI INS AGCY INC3 | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $34 | $0 | $34 | 0.11% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE RD STE H1 NEW CASTLE, PA 16105 | AFLAC | $27 | — | $27 | 0.09% |
| BARBARA ROSARIO3 | 236 COREY DR GIBSONIA, PA 15044 | AFLAC | $25 | — | $25 | 0.08% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $24 | — | $24 | 0.08% |
| LAURIE AULT3 | 315 GREEN RIDGE RD STE H1 NEW CASTLE, PA 16105 | AFLAC | $22 | — | $22 | 0.07% |
| BRIAN TODD KAUFFMAN3 Filed as: BRIAN KAUFFMAN | 315 GREEN RIDGE RD STE H1 NEW CASTLE, PA 16105 | AFLAC | $16 | — | $16 | 0.05% |
| VIRGILIO ROSARIO JR3 | 3202 KINGSTON LN YOUNGSTOWN, OH 44511 | AFLAC | $10 | — | $10 | 0.03% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $6 | — | $6 | 0.02% |
| ROBERTA DICKINSON3 | O BOX 360277 STRONGSVILLE, OH 44136 | AFLAC | $5 | — | $5 | 0.02% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $4 | — | $4 | 0.01% |
| HARE AND ASSOCIATES LLC3 | 6324 TARTON FIELDS LN MASON, OH 45040 | AFLAC | $3 | — | $3 | 0.01% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 1325 OAK HOLLOW DR MILFOD, MI 48380 | AFLAC | $2 | — | $2 | 0.01% |
| KRISTEN EDGE3 | 8328 BURLINGTON DR NORTH RIDGEVILLE, OH 44039 | AFLAC | $2 | — | $2 | 0.01% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 400 W RAILROD ST STE 1 COLUMBIANA, OH 44408 | AFLAC | $2 | — | $2 | 0.01% |
| AARON BISCELLA3 | PO BOX 39 NEW WATERFORD, OH 44445 | AFLAC | $0 | — | $0 | 0.00% |
| JOHN MATHEWS3 | PO BOX 136 GIRARD, OH 44420 | AFLAC | $0 | — | $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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 116 | $1.2M |
| Dental(2 contracts) | DELTA DENTAL OF OHIO | 304 | $106K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $66K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $66K |
| Prescription drug | MEDICAL MUTUAL | 116 | $1.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.