| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKERS ALLIANCE OF OHIO INC3 | 12 SHORES DRIVE POLAND, OH 44514 | MEDICAL MUTUAL | $48K | — | $48K | 3.32% |
| BROKERS ALLIANCE OF OHIO INC3 Filed as: BROKERS ALLIANCE OF OHIO, INC. | 12 SHORES DRIVE POLAND, OH 44514 | DELTA DENTAL OF OHIO | $11K | — | $11K | 9.67% |
| BROKERS ALLIANCE OF OHIO INC3 Filed as: BROKERS ALLIANCE OF OHIO | 12 SHORES DRIVE YOUNGSTOWN, OH 44514 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 15.41% |
| LIFETIME FINANCIAL GROWTH3 | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36 | — | $36 | 0.05% |
| RACHEL PENNINGTON3 | 16 ESTMINSTER DR BERLIN, MD 21811 | BEAZLEY INSURANCE COMPANY INC | $3K | — | $3K | 8.00% |
| BOB GEARHART3 | 12 SHORES DRIVE POLAND, OH 44514 | BEAZLEY INSURANCE COMPANY INC | $3K | — | $3K | 8.00% |
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | BEAZLEY INSURANCE COMPANY INC | $1K | — | $1K | 4.00% |
| DOUG KRESZL3 | 409 ROCK CREEK CIRCLE BERWYN, PA 19312 | BEAZLEY INSURANCE COMPANY INC | $649 | — | $649 | 2.00% |
| BRADLEY MELVIN3 | 2895 W CALLA RD CANFIELD, OH 44406 | AFLAC | $1K | $294 | $2K | — |
| ANGELA MEEKS3 | 4783 OVERLOOK DR GENEVA, OH 44041 | AFLAC | $329 | $59 | $388 | — |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST STE 2400 CINCINNATI, OH 45202 | AFLAC | $277 | — | $277 | — |
| THOMAS J HOUSER3 Filed as: THOMAS HOUSER | 2720 BRIARWOOD CT POLAND, OH 44514 | AFLAC | $217 | $59 | $276 | — |
| BRADLEY KAUFFMAN3 | 315 GREEN RIDGE RD STE H1 NEW CASTLE, PA 16105 | AFLAC | $253 | — | $253 | — |
| JUDY KAUFFMAN3 | PO BOX 135 NEW WILMINGTON, PA 16142 | AFLAC | $159 | — | $159 | — |
| MICHAEL YOST3 | PO BOX 14218 POLAND, OH 44514 | AFLAC | $118 | — | $118 | — |
| LEON KOKAL3 | 10478 TOLLAND DR AURORA, OH 44202 | AFLAC | $108 | $0 | $108 | — |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 3199 SIOUX CONIFER RD WATERTOWN, SD 57201 | AFLAC | $91 | — | $91 | — |
| LEWIS P AGNONE3 Filed as: LEWIS AGNONE | 360 EASTWOOD DR HUBBARD, OH 44425 | AFLAC | $43 | $0 | $43 | — |
| ASSOCIATION GROUP INSURANCE AGENCY3 Filed as: ASSOCIATION GROUP INS AGCY | PO BOX 126 NILES, OH 44446 | AFLAC | $29 | — | $29 | — |
| GEORGE C MALINKY3 Filed as: GEORGE MALINKY | 7000 NEW RD YOUNGSTOWN, OH 44515 | AFLAC | $27 | — | $27 | — |
| MAKOWSKI INS AGCY INC3 | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $26 | $0 | $26 | — |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE RD STE H1 NEW CASTLE, PA 16105 | AFLAC | $23 | — | $23 | — |
| BARBARA ROSARIO3 | 236 COREY DR GIBSONIA, PA 15044 | AFLAC | $19 | — | $19 | — |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $19 | — | $19 | — |
| LAURIE AULT3 | 315 GREEN RIDGE RD STE H1 NEW CASTLE, PA 16105 | AFLAC | $16 | — | $16 | — |
| ROBERTA DICKINSON3 | O BOX 360277 STRONGSVILLE, OH 44136 | AFLAC | $14 | — | $14 | — |
| BRIAN TODD KAUFFMAN3 Filed as: BRIAN KAUFFMAN | 315 GREEN RIDGE RD STE H1 NEW CASTLE, PA 16105 | AFLAC | $12 | — | $12 | — |
| OPPORTUNITY INC3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $12 | — | $12 | — |
| VIRGILIO ROSARIO JR3 | 3202 KINGSTON LN YOUNGSTOWN, OH 44511 | AFLAC | $8 | — | $8 | — |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 1325 OAK HOLLOW DR MILFOD, MI 48380 | AFLAC | $6 | — | $6 | — |
| KRISTEN EDGE3 | 8328 BURLINGTON DR NORTH RIDGEVILLE, OH 44039 | AFLAC | $6 | — | $6 | — |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $5 | — | $5 | — |
| HARE AND ASSOCIATES LLC3 | 6324 TARTON FIELDS LN MASON, OH 45040 | AFLAC | $2 | — | $2 | — |
| LISA CUNNINGHAM3 | 8078 POLK PATH REYNOLDSBURG, OH 43068 | AFLAC | $2 | — | $2 | — |
| JOHN C RASCHELLA3 Filed as: JOHN RASCHELLA | 20301 GRD OAK SH BLVD #118-32 ESTERO, FL 33928 | AFLAC | $1 | — | $1 | — |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OK 45140 | AFLAC | $1 | — | $1 | — |
| RICO PEREZ3 | 6000 LOMBARDO CTR STE 145 SEVEN HILLS, OH 44131 | AFLAC | $1 | — | $1 | — |
| JACK A SHADE3 Filed as: JACK SHADE | 690 TREE BEND CT WESTERVILLE, OH 43082 | AFLAC | $1 | — | $1 | — |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 132 | $1.4M |
| Dental | DELTA DENTAL OF OHIO | 495 | $117K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 271 | $67K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 271 | $67K |
| Prescription drug | MEDICAL MUTUAL | 132 | $1.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 271 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.