| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEONARD ADAMS INSURANCE INC3 Filed as: LEONARD INSURANCE SERVICES | 4244 MT. PLEASANT ST NW NORTH CANTON, OH 44720 | AULTCARE INSURANCE COMPANY | $22K | — | $22K | 1.33% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 1340 DEPOT STREET SUITE 300 CLEVELAND, OH 44116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $7K | 5.03% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 121 N MARKET ST WOOSTER, OH 44691 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.83% |
| LEONARD INSURANCE SERVICES AGENCY3 Filed as: LEONARD INSURANCE SERVICES AGC | 4244 MT. PLEASANT ST NW NORTH CANTON, OH 44720 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 7.14% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 221 S CHURCH STREET BOWLING GREEN, OH 43402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $818 | — | $818 | 0.90% |
| JOAN ANNE HENDERSON3 Filed as: JOAN HENDERSON | 2331 AMBERWOOD CIR NE MASSILLON, OH 44646 | AFLAC | $978 | $28 | $1K | 8.32% |
| THERESA L GOIK3 Filed as: THERESA GOIK | 1816 W NIGHTHAWK WAY PHOENIX, AZ 85045 | AFLAC | $531 | $52 | $583 | 4.82% |
| ANGELA FANKHAUSER3 | 6000 BUCKBOARD LN SOLON, OH 44139 | AFLAC | $306 | $28 | $334 | 2.76% |
| SHELLY BALL3 | 9 STOUTENBURG DR NORWALK, OH 44857 | AFLAC | $258 | $6 | $264 | 2.18% |
| A C LONG & ASSOCIATES INC3 | 1113 MEDINA RD STE 500 MEDINA, OH 44256 | AFLAC | $209 | $21 | $230 | 1.90% |
| KATHERINE ROSE LANG3 Filed as: KATHERINE LANG | 21617 HALWORTH RD BEACHWOOD, OH 44122 | AFLAC | $85 | $10 | $95 | 0.79% |
| MARC J HAIRE3 | 9885 GREENHAVEN PARKWAY BRECKSVILLE, OH 44141 | AFLAC | $75 | $6 | $81 | 0.67% |
| STEPHEN BRIAN LOMBARDOZZI3 Filed as: STEPHEN LOMBARDOZZI | 5329 GARGASZ DR LORAIN, OH 44053 | AFLAC | $77 | — | $77 | 0.64% |
| WILLIAM HERDER3 | 112 EDMONTON RD BELLVILLE, OH 44813 | AFLAC | $49 | — | $49 | 0.41% |
| SCOTT A SMITH3 Filed as: SCOTT SMITH | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $28 | — | $28 | 0.23% |
| HARE AND ASSOCIATES LLC3 | 470 OLDE WORTHINGTON RD STE 250 WESTERVILLE, OH 43082 | AFLAC | $27 | — | $27 | 0.22% |
| HENSLEY AND ASSOCIATES LLC3 | 1103 SCHROCK RD STE 201 COLUMBUS, OH 43229 | AFLAC | $26 | — | $26 | 0.22% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $14 | — | $14 | 0.12% |
| GARY A SPANRAFT3 Filed as: GARY SPANRAFT | 58 GREENHEDGE CIR DELAWARE, OH 43015 | AFLAC | $12 | — | $12 | 0.10% |
| JOHN LUTZ3 | 19646 N 92ND AVENUE PEORIA, AZ 85382 | AFLAC | $3 | — | $3 | 0.02% |
| JUDY KAUFFMAN3 | PO BOX 135 NEW WILMINGTON, PA 16142 | AFLAC | $3 | — | $3 | 0.02% |
| JOHN D PETTIGREW3 | 1620 COHASSET DR CINCINNATI, OH 45255 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES A TAFT JR3 Filed as: JAMES TAFT JR | 573 CANE RUN ST HARRODSBURG, KY 40330 | AFLAC | $1 | — | $1 | 0.01% |
| THERESA L GOIK3 Filed as: THERESA GOIK | 1816 W NIGHTHAWK WAY PHOENIX, AZ 85045 | AFLAC | $160 | — | $160 | 4.00% |
| REGINALD PARNETLL3 Filed as: REGINALD PARNELL | 1025 IONA AVE AKRON, OH 44314 | AFLAC | $146 | — | $146 | 3.65% |
| YEN H HUYNH3 Filed as: YEN HUYNH | 1224 NW 29TH ST OKLAHOMA CITY, OK 73106 | AFLAC | $116 | — | $116 | 2.90% |
| JAMES BURRESS3 | 8755 OGDEN DUNES DR CAMBY, IN 46113 | AFLAC | $38 | — | $38 | 0.95% |
| STENGRIM INS INC3 | 47108 276TH ST HARRISBURG, SD 57032 | AFLAC | $23 | — | $23 | 0.57% |
| JANE SWAN3 | 4024 DOGLEG TRL MEDINA, OH 44256 | AFLAC | $18 | — | $18 | 0.45% |
| ANGELA FANKHAUSER3 | 6000 BUCKBOARD LN SOLON, OH 44139 | AFLAC | $17 | — | $17 | 0.42% |
| THOMAS A HOUSE3 Filed as: THOMAS HOUSE | 1089 HARMONY LANE CLERMONT, FL 34711 | AFLAC | $17 | — | $17 | 0.42% |
| A C LONG & ASSOCIATES INC3 | 1113 MEDINA RD STE 500 MEDINA, OH 44256 | AFLAC | $16 | — | $16 | 0.40% |
| CHANDLER STEWART3 | 1003 COLLINS CT BARTONVILLE, IL 61607 | AFLAC | $12 | — | $12 | 0.30% |
| MAKOWSKI INS AGCY INC3 | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $9 | — | $9 | 0.22% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $4 | — | $4 | 0.10% |
| RUSSELL O. ULRICH JR.3 Filed as: RUSSELL ULRICH JR | 150 N MILLER RD STE 300 A FAIRLAWN, OH 44333 | AFLAC | $3 | — | $3 | 0.07% |
| KATHERINE ROSE LANG3 Filed as: KATHERINE LANG | 21617 HALWORTH RD BEACHWOOD, OH 44122 | AFLAC | $2 | — | $2 | 0.05% |
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 | 316 | 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) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 367 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $140K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $140K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 316 | $91K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 316 | $91K |
| Prescription drug | AULTCARE INSURANCE COMPANY | 367 | $1.7M |
| Other(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 316 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.