| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R L KING INSURANCE AGENCY INC3 | PO BOX 1265,7723 AIRPORT HIGHWAY #F HOLLAND, OH 43528 | MEDICAL MUTUAL OF OHIO | $25K | $9K | $34K | 3.91% |
| ENERGY INS AGENCY INC3 | 3008 ATKINSON AVE LEXINGTON, KY 40509 | MEDICAL MUTUAL OF OHIO | $3K | $360 | $3K | 0.33% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY | 7723 AIRPORT HWY SUITE F HOLLAND, OH 43528 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 17.89% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| LIFETIME FINANCIAL GROWTH OF M3 | 24255 W 13 MILE RD BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $69 | — | $69 | 0.11% |
| ZIDD AGENCY, INC.3 Filed as: ZIDD AGENCY INC | 2656 WEYMOUTH RD HINCKLEY, OH 442339541 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | -$52 | $3K | 5.32% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.74% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 SAINT LOUIS, MO 631224042 | PRINCIPAL LIFE INSURANCE COMPANY | $225 | -$21 | $204 | 0.36% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $117 | $1K | 5.79% |
| ZIDD AGENCY, INC.3 Filed as: ZIDD AGCY INC | 2656 WEYMOUTH ROAD HINCKELY, OH 44233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $992 | — | $992 | 4.15% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $838 | $77 | $915 | 3.83% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A WILLHITE | 3619 1/2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $561 | — | $561 | 2.35% |
| VALENE M WOLFE3 | 1265 CIRCLE DRIVE AKRON, OH 44310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.06% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| HELEN DIZ-HATTON3 Filed as: HELEN E MCCREADY | 1767 25TH STREET CUYAHOGA FALLS, OH 44223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| EVAN PALMER3 | 3700 S STONEBRIDGE DR PO BOX 8080 MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 14.82% |
| REBECCA TEBEAU3 | 3700 S STONEBRIDGE DR PO BOX 8080 MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.81% |
| DANIEL WEARSCH3 | 3700 S STONEBRIDGE DR PO BOX 8080 MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.61% |
| ADDISON EVERETT3 | 3700 S STONEBRIDGE DR PO BOX 8080 MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.06% |
| KATELYN LEA PHILLIPS3 Filed as: KATELYN PERRIN | 3700 S STONEBRIDGE DR PO BOX 8080 MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $761 | — | $761 | 3.18% |
| MATT TSCHIMPERLE3 | 3700 S STONEBRIDGE DR PO BOX 8080 MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $594 | — | $594 | 2.48% |
| HALEIGH THRASHER3 | 3700 S STONEBRIDGE DR PO BOX 8080 MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $69 | — | $69 | 0.29% |
| JOHANNA R GRIFFIN3 Filed as: JOHANNA FRIASON | 3700 S STONEBRIDGE DR PO BOX 8080 MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $67 | — | $67 | 0.28% |
| KELSEY DAVID EVERT3 Filed as: KELSEY WENDLER | 3700 S STONEBRIDGE DR PO BOX 8080 MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $26 | — | $26 | 0.11% |
| SUSAN MAE DANIEL3 Filed as: SUSAN PHILLIANS | 3700 S STONEBRIDGE DR PO BOX 8080 MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $0 | — | $0 | 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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 102 | $867K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $56K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 77 | $48K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 64 | $86K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 64 | $62K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 102 | $867K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.