| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELTA BENEFITS AGENCY LLC3 | 4600 ROCKSIDE ROAD SUITE 200 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL SERVICES | $60K | $5K | $65K | 1.60% |
| LEONARD INSURANCE SERVICES AGENCY3 Filed as: LEONARD INSURANCE | PO BOX 9160 CANTON, OH 44711 | NATIONAL GUARDIAN LIFE | $10K | — | $10K | 12.00% |
| ONE AMERICA SECURITIES INC3 | PO BOX 368 INDIANAPOLIS, IN 46206 | NATIONAL GUARDIAN LIFE | $222 | — | $222 | 0.28% |
| DELTA BENEFITS AGENCY LLC3 | 4600 ROCKSIDE ROAD SUITE 200 INDEPENDENCE, OH 44131 | CONSUMER LIFE INSURANCE COMPANY | $5K | $3K | $8K | 12.44% |
| SIGMA II INS AGENCY3 | 4600 ROCKSIDE ROAD SUITE 200 INDEPENDENCE, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 10.02% |
| JEFFREY A. SIRAK3 Filed as: JEFFREY S PAXTON | 4960 HIGBEE AVENUE NORTHWEST SUITE 102 CANTON, OH 44718 | AFLAC | $1K | $19 | $1K | 5.49% |
| ELIAS P ALAM3 | 45 JEANNE MARIE DRIVE DOVER, OH 44622 | AFLAC | $996 | $29 | $1K | 4.15% |
| YEN H HUYNH3 | 2142 THORNBURY LANE AKRON, OH 44319 | AFLAC | $664 | $27 | $691 | 2.80% |
| BRANDI L. HUZYAK3 Filed as: BRANDI L HUZYAK | 727 JENNINGS AVENUE SALEM, OH 44460 | AFLAC | $474 | $3 | $477 | 1.93% |
| MARK L HENDERSON3 | 4960 HIGBEE AVENUE NORTHWEST SUITE 100 CANTON, OH 44718 | AFLAC | $431 | $6 | $437 | 1.77% |
| CULLEN SMITH & ASSOCIATES INC3 | 2764 RISING MEADOW DRIVE AKRON, OH 44333 | AFLAC | $307 | $2 | $309 | 1.25% |
| ANGELA FANKHAUSER3 Filed as: ANGELA M FANKHAUSER | 6000 BUCKBOARD LANE SOLON, OH 44139 | AFLAC | $181 | — | $181 | 0.73% |
| ROBERT T WRIGHT3 | 3980 CORBY STREET NORTHWEST UNIONTOWN, OH 44685 | AFLAC | $145 | — | $145 | 0.59% |
| THOMAS A HOUSE3 | PO BOX 13653 AKRON, OH 44334 | AFLAC | $79 | $13 | $92 | 0.37% |
| STENGRIM INS INC3 | 47108 276TH STREET HARRISBURG, SD 57032 | AFLAC | $88 | — | $88 | 0.36% |
| YEN H HUYNH3 | 2142 THORNBURY LANE AKRON, OH 44319 | AFLAC | $67 | — | $67 | 0.27% |
| DONALD PAUL EBNER3 | 13440 CLEVELAND AVENUE NORTHWEST UNIONTOWN, OH 44685 | AFLAC | $55 | — | $55 | 0.22% |
| DAVID P AESOPH3 | 1301 SOUTH SUMMIT AVENUE SIOUX FALLS, SD 57105 | AFLAC | $53 | — | $53 | 0.21% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $49 | $3 | $52 | 0.21% |
| CATHERINE A LEPORE3 | 2830 COPLEY ROAD SUITE 26 COPLEY, OH 44321 | AFLAC | $52 | — | $52 | 0.21% |
| HARE AND ASSOCIATES LLC3 | 470 OLD WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | AFLAC | $34 | $13 | $47 | 0.19% |
| THOMAS A HOUSE3 | 809 WHITE POND DRIVE SUITE B1 AKRON, OH 44320 | AFLAC | $31 | $5 | $36 | 0.15% |
| MARK L HUFHAND3 | 1300 CHRISTMAS SEAL DRIVE NORTHWEST CANTON, OH 44709 | AFLAC | $36 | — | $36 | 0.15% |
| NICHOLAS PETRYCKI3 Filed as: NICHOLAS L PETRYCKI | 8141 LARKSPUR AVENUE NORTHWEST NORTH CANTON, OH 44720 | AFLAC | $34 | — | $34 | 0.14% |
| CHRISTOPHER L ALTON3 | 150 NORTH MILLER ROAD SUITE 300A FAIRLAWN, OH 44333 | AFLAC | $30 | — | $30 | 0.12% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | AFLAC | $30 | — | $30 | 0.12% |
| MICHAEL R REBER3 | 8600 HIDDEN RIVER PARKWAY SUITE 75 TAMPA, FL 33637 | AFLAC | $28 | — | $28 | 0.11% |
| ROBERT D MCMILLEN3 | 7203 AZALEA ROAD BOWERSTON, OH 44695 | AFLAC | $26 | — | $26 | 0.11% |
| RUSSELL O. ULRICH JR.3 Filed as: RUSSELL O ULRICH JR | 150 NORTH MILLER ROAD SUITE 3O0A FAIRLAWN, OH 44333 | AFLAC | $14 | — | $14 | 0.06% |
| THOMAS A HOUSE3 Filed as: THOMAS A HOUSE JR | 4529 ASPEN LAKE DRIVE SUITE 312 BRUNSWICK, OH 44695 | AFLAC | $11 | — | $11 | 0.04% |
| JAMES N PETRYCKI3 | 2851 STATE ROUTE 138 SARDINIA, OH 45171 | AFLAC | $9 | — | $9 | 0.04% |
| WILLIAM R KILGORE3 | 4960 HIGBEE AVENUE NORTHWEST SUITE 101 CANTON, OH 44718 | AFLAC | $8 | — | $8 | 0.03% |
| JOHN F ADAMSKY3 | PO BOX 6164 NEW PHILADELPHIA, OH 44663 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL J QUINN3 | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $3 | — | $3 | 0.01% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $3 | — | $3 | 0.01% |
| SHARON R REED3 | 2430 40TH STREET NORTHEAST CANTON, OH 44705 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES JONES3 | 1568 ACKERS AVENUE PO BOX 62 LAKEMORE, OH 44250 | AFLAC | $1 | — | $1 | 0.00% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 566 | $37K |
| Vision | NATIONAL GUARDIAN LIFE | 490 | $80K |
| Life insurance | CONSUMER LIFE INSURANCE COMPANY | 568 | $64K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 566 | $37K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL SERVICES | 505 | $4.1M |
| Other(2 contracts, 2 carriers) | CONSUMER LIFE INSURANCE COMPANY | 568 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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.