| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R L KING INSURANCE AGENCY INC3 | 7723 AIRPORT HWY #F HOLAND, OH 43528 | MEDICAL MUTUAL OF OHIO | $57K | $9K | $67K | 9.23% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD, SUITE 300 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 19.89% |
| ZIDD AGENCY, INC.3 Filed as: ZIDD AGENCY INC | 2656 WEYMOUTH RD HINCKLEY, OH 442339541 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.73% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $202 | $2K | 8.55% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $913 | $205 | $1K | 6.26% |
| ZIDD AGENCY, INC.3 Filed as: ZIDD AGENCY INC | 2656 WEYMOUTH ROAD HINCKELY, OH 44233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.99% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A WILLHITE | 3619 1/2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $510 | $10 | $520 | 2.91% |
| VALENE M WOLFE3 | 1265 CIRCLE DRIVE AKRON, OH 44310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.06% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M IGNASIAK | 8427 MUIRLAND DR CLEVELAND, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| HELEN DIZ-HATTON3 Filed as: HELEN E MCCREADY | 1767 25TH STREET CUYAHOGA FALLS, OH 44223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 106 | $724K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 144 | $46K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 22 | $18K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 59 | $81K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 59 | $64K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 106 | $724K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 59 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.