| 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 | $38K | — | $38K | 2.57% |
| ALAN MURRAY3 | 5621 MARKET ST BOARDMAN, OH 445122628 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 7.35% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS | 1485 PRINCE CHARLES AVE WESTLAKE, OH 441452624 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.48% |
| COREY J JONES3 | 2400 HENN HYDE RD NE WARREN, OH 44484 | AFLAC | $581 | $52 | $633 | 4.68% |
| PAUL D QUILLIN3 | 1550 N BAILEY RD NORTH JACKSON, OH 44451 | AFLAC | $250 | $12 | $262 | 1.94% |
| CHRISTOPHER KOSCHACK3 | 875 5TH ST STRUTHERS, OH 44471 | AFLAC | $148 | — | $148 | 1.09% |
| LEWIS P AGNONE3 | 360 EASTWOOD DR HUBBARD, OH 44425 | AFLAC | $143 | — | $143 | 1.06% |
| TJH CONSULTANTS LLC3 | 25144 ROCKY HARBOUR DR PERRYSBURG, OH 43551 | AFLAC | $108 | — | $108 | 0.80% |
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 | 127 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 89 | $1.5M |
| Dental | AFLAC | 25 | $14K |
| Vision | AFLAC | 25 | $14K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $108K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $94K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $94K |
| Prescription drug | MEDICAL MUTUAL | 89 | $1.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.