| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $59K | $29K | $88K | 4.47% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $5K | $28K | 10.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 1645 INDIAN WOOD CIRCLE SUITE 203 MAUMEE, OH 43537 | AFLAC | $6K | — | $6K | 14.62% |
| RUBLE & ASSOCIATES LLC3 | 3769 PROSPECT ROAD NEW LONDON, OH 44851 | AFLAC | $467 | — | $467 | 1.09% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH | 21397 LEHMAN ROAD DELPHOS, OH 45833 | AFLAC | $260 | $60 | $320 | 0.75% |
| CHAD L NELSON3 Filed as: CHAD POLLOCK | 6506 ANTHONY DRIVE MAUMEE, OH 43537 | AFLAC | $154 | — | $154 | 0.36% |
| KRISTOPHER RUBLE3 | 3769 PROSPECT ROAD NEW LONDON, OH 44851 | AFLAC | $123 | — | $123 | 0.29% |
| CHADUM J OCHS3 Filed as: CHADUM OCHS | 323 JACKSON STREET FREMONT, OH 43420 | AFLAC | $121 | — | $121 | 0.28% |
| ELIZABETH J. TEPPER3 Filed as: ELIZABETH TEPPER | 2223 N JEFFERSON BOULEVARD LORAIN, OH 44052 | AFLAC | $109 | — | $109 | 0.26% |
| JUDY KAUFFMAN3 | PO BOX 135 NEW WILMINGTON, PA 16142 | AFLAC | $90 | — | $90 | 0.21% |
| AMY HILT3 | 1535 COUNTY ROAD 14 GIBSONBURG, OH 43431 | AFLAC | $84 | — | $84 | 0.20% |
| JAMES LOCKWOOD3 | 134 WEST SOUTH BOUNDARY STREET SUITE A PERRYSBURG, OH 43551 | AFLAC | $62 | — | $62 | 0.15% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY MOTTER | 134 WEST SOUTH BOUNDARY STREET SUITE A PERRYSBURG, OH 43551 | AFLAC | $49 | — | $49 | 0.11% |
| THOMAS WESLEY3 | 837 MOSS CANYON DRIVE AMHERST, OH 44001 | AFLAC | $35 | — | $35 | 0.08% |
| MARK R MUNDWILER3 Filed as: MARK MUNDWILER | 4340 BEVERLY DRIVE TOLEDO, OH 43614 | AFLAC | $33 | — | $33 | 0.08% |
| LANCE S MEINERS3 Filed as: LANCE MEINERS | 557 LONG CV AVON LAKE, OH 44012 | AFLAC | $33 | — | $33 | 0.08% |
| KEVIN WRONA3 | 9740 CEDARWOOD DRIVE NORTH ROYALTON, OH 44133 | AFLAC | $24 | — | $24 | 0.06% |
| DAVID N MULLINS JR3 Filed as: DAVID MULLINS JR | 7840 LINWOOD ROAD BOWLING GREEN, OH 43402 | AFLAC | $20 | — | $20 | 0.05% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 925 SOUTH MAIN STREET SUITE B NORTH CANTON, OH 44720 | AFLAC | $19 | — | $19 | 0.04% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AFLAC | $18 | — | $18 | 0.04% |
| THOMAS J HOUSER3 Filed as: THOMAS HOUSER | 25144 ROCKY HARBOUR DRIVE PERRYSBURG, OH 43551 | AFLAC | $18 | — | $18 | 0.04% |
| ERIC WHITTINGTON3 | 2025 COURTNEY CIRCLE CANAL FULTON, OH 44614 | AFLAC | $16 | — | $16 | 0.04% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $14 | — | $14 | 0.03% |
| TODD SCOTT3 | 1648 PLYMOUTH KNOLL AVENUE NW MASSILLON, OH 44646 | AFLAC | $12 | — | $12 | 0.03% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 WEST NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $11 | — | $11 | 0.03% |
| MARC J HAIRE3 | 9885 GREENHAVEN PARKWAY BRECKSVILLE, OH 44141 | AFLAC | $9 | — | $9 | 0.02% |
| MARK METTILLE3 Filed as: MARK TOPOLSKI | 5045 SAN LUIS REY DRIVE SYLVANIA, OH 43560 | AFLAC | $9 | — | $9 | 0.02% |
| ROBERTA DICKINSON3 | PO BOX 360559 STRONGSVILLE, OH 44136 | AFLAC | $4 | — | $4 | 0.01% |
| WILLIAM CASSIDY WAGNER3 Filed as: WILLIAM WAGNER | 2422 LUCILLE STREET WINSTON SALEM, NC 27127 | AFLAC | $3 | — | $3 | 0.01% |
| ANDREW CONNORS3 | 2251 ALEXANDER DRIVE TITUSVILLE, FL 32796 | AFLAC | $3 | — | $3 | 0.01% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $3 | — | $3 | 0.01% |
| LISA CUNNINGHAM3 | 3922 WEST SANDPIPER DRIVE APARTMENT 6 BOYNTON BEACH, FL 33436 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL FINLEY3 | 907 EAST FRONT STREET DOVER, OH 44622 | AFLAC | $2 | — | $2 | 0.00% |
| KARA M CARMODY3 Filed as: KARA CARMODY | 718 HOYT AVENUE EAST SUITE 201 SAINT PAUL, SD 57054 | AFLAC | $2 | — | $2 | 0.00% |
| KRISTEN EDGE3 | 8328 BURLINGTON DRIVE NORTH RIDGEVILLE, OH 44039 | 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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 243 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $259K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $259K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $259K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $259K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $259K |
| Other(3 contracts, 3 carriers) | MEDICAL MUTUAL | 291 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.