| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON MYERS & ASSOCIATES INC Filed as: GIBSON MYERS | 2876 S ARLINGTON AKRON, OH 44312 | SUMMA CARE | $108K | — | $108K | 7.00% |
| ADRIENNE E VAUGHAN Filed as: ADRIENNE VAUGHN | 5224 BECKETTE RIDGE STOW, OH 44224 | GUARDIAN | $12K | — | $12K | 8.25% |
| WILLIAM A GRAHAM COMPANY Filed as: WILLIAM HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE - ARDL | $5K | $1 | $5K | 9.99% |
| PATRICIA HERTZOG | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE - ARDL | $1K | $34 | $1K | 2.96% |
| GREAT LAKE PERIODICALS INC | PO BOX 51 AVON LAKE, OH 44012 | COLONIAL LIFE - ARDL | $542 | $22 | $564 | 1.15% |
| DEBORAH WILLHITE | 3619 1/2 PONCIANA AVE AKRON, OH 44319 | COLONIAL LIFE - ARDL | $358 | — | $358 | 0.73% |
| HELEN MCCREADY | 1767 25TH STREET CUYAHOGA FALLS, OH 44223 | COLONIAL LIFE - ARDL | $31 | — | $31 | 0.06% |
| SHARON IGNASIAK | 8427 MUIRLAND DR CLEVELAND, OH 44147 | COLONIAL LIFE - ARDL | — | — | $0 | 0.00% |
| WILLIAM A GRAHAM COMPANY Filed as: WILLIAM HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE - POLYMERICS | $4K | $1 | $4K | 23.57% |
| GREAT LAKES PERIODICALS INC | PO BOX 51 AVON LAKE, OH 44012 | COLONIAL LIFE - POLYMERICS | $2K | $63 | $2K | 8.62% |
| PATRICIA HERTZOG | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE - POLYMERICS | $926 | $32 | $958 | 5.11% |
| DEBORAH WILLHITE | 3619 1/2 PONICANA AVE AKRON, OH 44319 | COLONIAL LIFE - POLYMERICS | $148 | — | $148 | 0.79% |
| SHARON IGNASIAK | 8427 MUIRLAND DR CLEVELAND, OH 44147 | COLONIAL LIFE - POLYMERICS | $53 | — | $53 | 0.28% |
| RUSSEL O ULRICH JR. | 150 N MILLER RD, SUITE 300A FAIRLAWN, OH 44333 | AFLAC | $132 | — | $132 | 3.29% |
| ERIC WHITTINGTON Filed as: ERIC J WHITTINGTON | 2025 COURTNEY CIR CANAL FULTON, OH 44614 | AFLAC | $98 | — | $98 | 2.44% |
| MARK L HUFHAND | 925 S MAIN ST STE B NORTH CANTON, OH 44720 | AFLAC | $43 | — | $43 | 1.07% |
| THOMAS W BOSTON Filed as: THOMAS BOSTON | 139 MARKET AVE NW HARTVILLE, OH 44632 | AFLAC | $38 | — | $38 | 0.95% |
| MAKOWSKI INS AGCY INC Filed as: MAKOWSKI INS AGENCY INC | 9404 WOODSHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $28 | — | $28 | 0.70% |
| HERBERT P SHNIDER | 6192 MCNAUGHTEN GROVE LN COLUMBUS, OH 43213 | AFLAC | $22 | — | $22 | 0.55% |
| JOHN LUTZ Filed as: JOHN B LUTZ | 19646 N 92ND AVE PEORIA, AZ 85382 | AFLAC | $21 | — | $21 | 0.52% |
| MATTHEW J VINEZ | 718 HOYT AVE E SAINT PAUL, MN 55106 | AFLAC | $16 | — | $16 | 0.40% |
| MICHAEL J QUINN | 8580 MAJORCA LN NAPLES, FL 34114 | AFLAC | $12 | — | $12 | 0.30% |
| QUINN, MEYER & ASSOCIATES Filed as: QUINN MEYER & ASSOC | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $12 | — | $12 | 0.30% |
| MICHAEL R REBER | 20101 HERON CROSSING DR TAMPLA, FL 33647 | AFLAC | $11 | — | $11 | 0.27% |
| GAYLORD I KAUFFMAN | 315 GREEN RIDGE RD, SUITE H1 NEW CASTLE, PA 16105 | AFLAC | $10 | — | $10 | 0.25% |
| DAVID P AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $5 | — | $5 | 0.12% |
| TOM DENNISON AGENCY INC | 3034 CIFFSIDE DR COPLEY, OH 44321 | AFLAC | $2 | — | $2 | 0.05% |
| JOHN C RASCHELLA | 20521 TAHITIAN BLVD ESTERO, FL 33928 | AFLAC | $2 | — | $2 | 0.05% |
| RONALD J GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $2 | — | $2 | 0.05% |
| SHARON BENNETT Filed as: SHARON L BENNETT | 6166 OAKES RD BRECKSVILLE, OH 44141 | AFLAC | $1 | — | $1 | 0.02% |
| THEODORE L BURKHOLDER | 419 AMBROSE AVE NW CANTON, OH 44708 | AFLAC | — | — | $0 | 0.00% |
| JOAN ANNE HENDERSON | 2331 AMBERWOOD CIR NE MASSILLON, OH 44646 | AFLAC | — | — | $0 | 0.00% |
| BARRY CAMPBELL | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | — | — | $0 | 0.00% |
| JOHN D PETTIGREW | 1620 COHASSET DR CINCINNATI, OH 45255 | AFLAC | — | — | $0 | 0.00% |
| KARA M CARMODY | 718 HOYT AVE E, SUITE 21 SAINT PAUL, SD 57054 | AFLAC | — | — | $0 | 0.00% |
| JUDY KAUFFMAN | PO BOX 135 NEW WILMINGTON, PA 16142 | AFLAC | — | — | $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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUMMA CARE | 133 | $1.7M |
| Dental | GUARDIAN | 126 | $145K |
| Vision | GUARDIAN | 126 | $145K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN | 126 | $212K |
| Short-term disability(4 contracts, 4 carriers) | GUARDIAN | 126 | $216K |
| Long-term disability | GUARDIAN | 126 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.