| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE EXCHANGE NAVIGATORS3 | 1515 EAST 46TH STREET ASHTABULA, OH 44004 | MEDICAL MUTUAL OF OHIO | $33K | $0 | $33K | 3.06% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H. HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $409 | $3K | 9.15% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M. IGNASIAK | 8427 MUIRLAND DRIVE CLEVELAND, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $38 | $1K | 3.49% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BOULEVARD BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $195 | $1K | 3.19% |
| BROOKER INSURANCE AGENCY3 Filed as: BROOKER INSURANCE AGENCY, INC. | 10749 PEARL ROAD STRONGVILLE, OH 44136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $893 | $0 | $893 | 2.38% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS AND VARIOUS AGENTS | 285 COZZINS STREET COLUMBUS, OH 43215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $259 | $0 | $259 | 0.69% |
| KATHLEEN BYRNE3 | 7142 ANOTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $212 | $3 | $215 | 0.57% |
| INTEGRATED EMPLOYEE BENEFIT SLTNS.3 | 8490 MALLARD COURT PLAIN CITY, OH 46064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $165 | $0 | $165 | 0.44% |
| INSURANCE EXCHANGE NAVIGATORS3 | 1515 EAST 46TH STREET ASHTABULA, OH 44004 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 5.69% |
| BROOKER INSURANCE AGENCY3 Filed as: BROOKER LIFE AGENCY, INC. | 10749 PEARL ROAD STRONGVILLE, OH 44136 | SUN LIFE ASSURANCE COMPANY OF CANADA | $517 | $0 | $517 | 9.46% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 98 | $1.1M |
| Dental | DELTA DENTAL OF OHIO | 127 | $34K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 48 | $43K |
| Long-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 48 | $38K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 98 | $1.1M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 48 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.