| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | MEDICAL MUTUAL OF OHIO | $39K | $14K | $53K | 3.90% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY, INC. | 460 WEST DUSSEL DRIVE, SUITE B MAUMEE, OH 43537 | MEDICAL MUTUAL OF OHIO | -$152 | -$41 | -$193 | -0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 7.38% |
| ZIDD AGENCY, INC.3 | 2656 WEYMOUTH ROAD HINCKLEY, OH 44233 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $800 | $5K | 3.64% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.50% |
| ADDISON EVERETT3 | UNKNOWN WOOSTER, OH 44691 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.09% |
| DANIEL WEARSCH3 | UNKNOWN WOOSTER, OH 44691 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $449 | $0 | $449 | 1.32% |
| EVAN PALMER3 | UNKNOWN WOOSTER, OH 44691 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $66 | $0 | $66 | 0.19% |
| GARETT LEONARD3 | UNKNOWN WOOSTER, OH 44691 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $45 | $0 | $45 | 0.13% |
| SATIN FOX3 | UNKNOWN WOOSTER, OH 44691 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.12% |
| FOREST MUTTERS3 | UNKNOWN WOOSTER, OH 44691 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $36 | $0 | $36 | 0.11% |
| SUSAN PHILLIANS AND OTHER AGENTS3 | UNKNOWN WOOSTER, OH 44691 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.09% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H. HERTZOG | 13700 STATE ROAD, SUITE 6 NORTH ROYALTON, OH 44133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.35% |
| ZIDD AGENCY, INC.3 | 2656 WEYMOUTH ROAD HINCKLEY, OH 44233 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.79% |
| GREAT LAKE PERIODICALS INC3 Filed as: GREAT LAKE PERIODICALS, INC. | PO BOX 51 AVON LAKE, OH 44012 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $84 | $1K | 4.23% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BOULEVARD BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $593 | $23 | $616 | 2.28% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A. WILLHITE | 3619 1 2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $278 | $0 | $278 | 1.03% |
| VALENE M WOLFE3 Filed as: VALENE M. WOLFE | 1265 CIRCLE DRIVE AKRON, OH 44310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 116 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $147K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $147K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $208K |
| Short-term disability(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $208K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $147K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 116 | $1.4M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.