| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROOKER INSURANCE AGENCY3 | 10749 PEARL ROAD PEARL, OH 44136 | HEALTHSPAN INTEGRATED CARE | $23K | — | $23K | 3.33% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $158 | $2K | 5.87% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $564 | $20 | $584 | 1.96% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BOULEVARD BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $474 | $53 | $527 | 1.77% |
| MJ INSURANCE3 Filed as: BROOKER INS. AND VARIOUS AGENTS | 10749 PEARL ROAD STRONGVILLE, OH 44136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $316 | $5 | $321 | 1.08% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED EMP. BENEFIT SOLUTIONS | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $293 | — | $293 | 0.98% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M IGNASIAK | 8427 MUIRLAND DRIVE CLEVELAND, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $226 | $5 | $231 | 0.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 285 COZZINS STREET COLUMBUS, OH 43215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $199 | — | $199 | 0.67% |
| BROOKER INSURANCE AGENCY3 | 10749 PEARL ROAD STRONGSVILLE, OH 44136 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.85% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY, LLC | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $644 | — | $644 | 3.59% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHSPAN INTEGRATED CARE | 146 | $692K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 13 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 13 | $18K |
| Prescription drug | HEALTHSPAN INTEGRATED CARE | 146 | $692K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 39 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.