| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN MURRAY3 Filed as: ALAN L MURRAY | 5210 ROYAL PALM DRIVE YOUNGSTOWN, OH 44512 | MEDICAL MUTUAL | $28K | $2K | $30K | 2.45% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $2K | $8K | 18.61% |
| ALAN MURRAY3 Filed as: ALAN MURRAY SR | 823 PARK HARBOUR DR BOARDMAN, OH 445123973 | DEARBORN LIFE INSURANCE COMPANY | $5K | — | $5K | 13.93% |
| COREY J JONES3 | 2400 HENN HYDE RD NE WARREN, OH 44484 | AFLAC | $1K | $84 | $2K | 9.07% |
| ALAN MURRAY3 Filed as: ALAN L MURRAY JR | 5210 ROYAL PALM DR BOARDMAN, OH 44512 | AFLAC | $513 | — | $513 | 3.04% |
| PAUL D QUILLIN3 | 3144 MEANDERWOOD DR CANFIELD, OH 44406 | AFLAC | $372 | $30 | $402 | 2.38% |
| CHRISTOPHER KOSCHACK3 | 875 5TH ST STRUTHERS, OH 44471 | AFLAC | $277 | $55 | $332 | 1.97% |
| LEWIS P AGNONE3 | 360 EASTWOOD DR HUBBARD, OH 44425 | AFLAC | $141 | — | $141 | 0.84% |
| TJH CONSULTANTS LLC3 | 1435 MEANDER CIR AKRON, OH 44312 | AFLAC | $127 | — | $127 | 0.75% |
| MATTHEW ALLEN DUNN3 | 15916 HIGHLAND DR EAST LIVERPOOL, OH 43920 | AFLAC | $31 | $14 | $45 | 0.27% |
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 | 83 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 75 | $1.2M |
| Dental | AFLAC | 37 | $17K |
| Vision | AFLAC | 37 | $17K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 98 | $55K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 87 | $41K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 87 | $41K |
| Prescription drug | MEDICAL MUTUAL | 75 | $1.2M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 98 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.