| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE EXCHANGE NAVIGATORS3 | 1515 EAST 46TH STREET ASHTABULA, OH 44004 | MEDICAL MUTUAL OF OHIO | $26K | $1 | $26K | 2.39% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | MEDICAL MUTUAL OF OHIO | $9K | — | $9K | 0.82% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H. HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $103 | $3K | 6.68% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BOULEVARD BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $242 | $2K | 3.73% |
| BROOKER INSURANCE AGENCY3 Filed as: BROOKER INSURANCE AGENCY, INC. | 10749 PEARL ROAD STRONGVILLE, OH 44136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $829 | $0 | $829 | 1.78% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS AND VARIOUS AGENTS | 285 COZZINS STREET COLUMBUS, OH 43215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $455 | $0 | $455 | 0.97% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M. IGNASIAK | 8427 MUIRLAND DRIVE CLEVELAND, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $439 | $5 | $444 | 0.95% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $366 | $6 | $372 | 0.80% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED EMPLOYEE BFT. SOLUTION | 8490 MALLARD COURT PLAIN CITY, OH 43064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $209 | $0 | $209 | 0.45% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 1515 EAST 46TH STREET ASHTABULA, OH 44004 | DELTA DENTAL OF OHIO | $3K | — | $3K | 6.20% |
| BROOKER INSURANCE AGENCY3 Filed as: BROOKER LIFE AGENCY, INC. | 10749 PEARL ROAD STRONGVILLE, OH 44136 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 11.69% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY, LLC | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $1K | $1K | 9.57% |
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 | 59 | 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) | 59 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 111 | $1.1M |
| Dental | DELTA DENTAL OF OHIO | 138 | $41K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 53 | $57K |
| Long-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 53 | $47K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 111 | $1.1M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 53 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.