| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $184 | $3K | 8.30% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BOULEVARD BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $953 | $164 | $1K | 3.68% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M. IGNASIAK | 8427 MUIRLAND DRIVE CLEVELAND, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $842 | $18 | $860 | 2.84% |
| BROOKER INSURANCE AGENCY3 Filed as: BROOKER INSURANCE AGENCY, INC. | 10749 PEARL ROAD STRONGVILLE, OH 44136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $557 | — | $557 | 1.84% |
| MJ INSURANCE3 Filed as: KATHLEEN BYRNE AND VARIOUS AGENTS | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $331 | — | $331 | 1.09% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED EMP. BENEFIT SOLUTIONS | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $201 | — | $201 | 0.66% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 285 COZZINS STREET COLUMBUS, OH 43215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.40% |
| INSURANCE EXCHANGE NAVIGATORS3 | 1515 EAST 46TH STREET ASHTABULA, OH 44004 | DELTA DENTAL OF OHIO | $2K | — | $2K | 5.78% |
| BROOKER INSURANCE AGENCY3 | 10749 PEARL ROAD STRONGSVILLE, OH 44136 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 9.51% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY, LLC | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $605 | — | $605 | 3.29% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHSPAN INTEGRATED CARE | 104 | $0 |
| Dental | DELTA DENTAL OF OHIO | 104 | $27K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 12 | $18K |
| Prescription drug | HEALTHSPAN INTEGRATED CARE | 104 | $0 |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 47 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.