| 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 | $36K | — | $36K | 2.53% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $1K | $6K | 16.50% |
| ALAN MURRAY3 Filed as: ALAN MURRAY SR | 823 PARK HARBOUR DR BOARDMAN, OH 445123973 | DEARBORN LIFE INSURANCE COMPANY | $5K | — | $5K | 14.88% |
| COREY J JONES3 | 2400 HENN HYDE RD NE WARREN, OH 44484 | AFLAC | $2K | $49 | $2K | 14.59% |
| PAUL D QUILLIN3 | 3144 MEANDERWOOD DR CANFIELD, OH 44406 | AFLAC | $500 | $9 | $509 | 2.99% |
| CHRISTOPHER KOSCHACK3 | 875 5TH ST STRUTHERS, OH 44471 | AFLAC | $174 | $0 | $174 | 1.02% |
| LEWIS P AGNONE3 | 360 EASTWOOD DR HUBBARD, OH 44425 | AFLAC | $148 | — | $148 | 0.87% |
| TJH CONSULTANTS LLC3 | 25144 ROCKY HARBOUR DR PERRYSBURG, OH 43551 | AFLAC | $138 | — | $138 | 0.81% |
| ALAN MURRAY3 Filed as: ALAN L MURRAY JR | 5210 ROYAL PALM DR BOARDMAN, OH 44512 | AFLAC | $58 | — | $58 | 0.34% |
| MATTHEW ALLEN DUNN3 | 15916 HIGHLAND DR EAST LIVERPOOL, OH 43920 | AFLAC | $6 | — | $6 | 0.04% |
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 | 119 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 85 | $1.4M |
| Dental | AFLAC | 28 | $17K |
| Vision | AFLAC | 28 | $17K |
| Life insurance(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 136 | $48K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $35K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $35K |
| Prescription drug | MEDICAL MUTUAL | 85 | $1.4M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 136 | $48K |
| 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."
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.