| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENERGY INS AGENCY INC3 | 3008 ATKINSON AVE LEXINGTON, KY 40509 | MEDICAL MUTUAL OF OHIO | $37K | $12K | $49K | 4.95% |
| ZIDD AGENCY, INC.3 Filed as: ZIDD AGENCY INC | 2656 WEYMOUTH RD HINCKLEY, OH 442339541 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 10.41% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.37% |
| ZIDD AGENCY, INC.3 Filed as: ZIDD AGENCY INC | 2656 WEYMOUTH RD HINCKLEY, OH 442339541 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 9.91% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.91% |
| ADDISON EVERETT3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $138 | — | $138 | 0.46% |
| SUSAN MAE DANIEL3 Filed as: SUSAN PHILLIANS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $25 | — | $25 | 0.08% |
| KELSEY DAVID EVERT3 Filed as: KELSEY WENDLER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$13 | — | -$13 | -0.04% |
| MATT TSCHIMPERLE3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$215 | — | -$215 | -0.72% |
| JOHANNA R GRIFFIN3 Filed as: JOHANNA FRIASON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$283 | — | -$283 | -0.94% |
| KATELYN LEA PHILLIPS3 Filed as: KATELYN PERRIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$489 | — | -$489 | -1.63% |
| DANIEL WEARSCH3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$544 | — | -$544 | -1.81% |
| REBECCA TEBEAU3 | 3700 S STONEBRIDGE DR PO BOX 8080 MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$1K | — | -$1K | -4.12% |
| EVAN PALMER3 | 3700 S STONEBRIDGE DR PO BOX 8080 MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$1K | — | -$1K | -4.41% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $713 | $22 | $735 | 3.39% |
| ZIDD AGENCY, INC.3 Filed as: ZIDD AGCY INC | 2656 WEYMOUTH ROAD HINCKELY, OH 44233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $541 | — | $541 | 2.49% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $447 | $11 | $458 | 2.11% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A WILLHITE | 3619 1/2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $277 | $3 | $280 | 1.29% |
| VALENE M WOLFE3 | 1265 CIRCLE DRIVE AKRON, OH 44310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.04% |
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 | 156 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 109 | $989K |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 99 | $173K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 99 | $173K |
| Life insurance(4 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 99 | $225K |
| Short-term disability(4 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 99 | $225K |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 99 | $173K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 109 | $989K |
| Other(2 contracts, 2 carriers) | LIBERTY NATIONAL LIFE INSURANCE COMPANY | 68 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.