| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R L KING INSURANCE AGENCY INC3 | 7723 AIRPORT HIGHWAY #F,PO BOX 1265 HOLLAND, OH 43528 | MEDICAL MUTUAL OF OHIO | $28K | $10K | $38K | 4.72% |
| RL KING INSURANCE AGENCY3 Filed as: R.L KING INS. AGY. | 124 N. SUMMIT, STE. 310 TOLEDO, OH 43604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 16.61% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.81% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.19% |
| LIFETIME FINANCIAL GROWTH OF M3 | 24255 W 13 MILE RD BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $164 | — | $164 | 0.27% |
| ZIDD AGENCY, INC.3 Filed as: ZIDD AGENCY INC | 2656 WEYMOUTH RD HINCKLEY, OH 442339541 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 8.52% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 SAINT LOUIS, MO 631224042 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $21 | $2K | 4.10% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $52 | $1K | 4.58% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $972 | $36 | $1K | 3.61% |
| ZIDD AGENCY, INC.3 Filed as: ZIDD AGENCY INC | 2656 WEYMOUTH ROAD HINCKELY, OH 44233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $939 | — | $939 | 3.37% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A WILLHITE | 3619 1/2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $482 | — | $482 | 1.73% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| VALENE M WOLFE3 | 1265 CIRCLE DRIVE AKRON, OH 44310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| HELEN DIZ-HATTON3 Filed as: HELEN E MCCREADY | 1767 25TH STREET CUYAHOGA FALLS, OH 44223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 107 | $804K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 152 | $52K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 29 | $28K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 59 | $88K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 59 | $60K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 107 | $804K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 59 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.