| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY, INC. | 3008 ATKINSON AVENUE LEXINGTON, KY 40509 | MEDICAL MUTUAL OF OHIO | $40K | $17K | $57K | 4.94% |
| ZIDD AGENCY, INC.3 | 2656 WEYMOUTH ROAD HINCKLEY, OH 44233 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $2K | $16K | 12.05% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.94% |
| ELYCE YODER3 | UNKNOWN WOOSTER, OH 44691 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 23.65% |
| DANIEL WEARSCH3 | UNKNOWN WOOSTER, OH 44691 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 16.88% |
| ADDISON EVERETT3 | UNKNOWN WOOSTER, OH 44691 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 14.30% |
| FOREST MUTTERS3 | UNKNOWN WOOSTER, OH 44691 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.35% |
| MJ INSURANCE3 Filed as: SATIN FOX AND VARIOUS AGENTS | UNKNOWN WOOSTER, OH 44691 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.45% |
| MATT TSCHIMPERLE3 | UNKNOWN WOOSTER, OH 44691 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.80% |
| GARETT LEONARD3 | UNKNOWN WOOSTER, OH 44691 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $851 | $0 | $851 | 2.30% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H. HERTZOG | 13700 STATE ROAD, SUITE 6 NORTH ROYALTON, OH 44133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $786 | $21 | $807 | 3.87% |
| ZIDD AGENCY, INC.3 | 2656 WEYMOUTH ROAD HINCKLEY, OH 44233 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $626 | $0 | $626 | 3.00% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BOULEVARD BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $393 | $2 | $395 | 1.89% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A. WILLHITE | 3619 1 2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $378 | $0 | $378 | 1.81% |
| VALENE M WOLFE3 Filed as: VALENE M. WOLFE | 1265 CIRCLE DRIVE AKRON, OH 44310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 108 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $130K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $130K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $188K |
| Short-term disability(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $188K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $130K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 108 | $1.2M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.