| 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 | $103K | — | $103K | 7.00% |
| ADRIENNE E VAUGHAN Filed as: ADRIENNE VAUGHN | 5224 BECKETTE RIDGE STOW, OH 44224 | GUARDIAN | $9K | — | $9K | 8.34% |
| WILLIAM A GRAHAM COMPANY Filed as: WILLIAM HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE - ARDL | $2K | $87 | $2K | 6.75% |
| PATRICIA HERTZOG | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE - ARDL | $700 | $29 | $729 | 2.29% |
| SHARON IGNASIAK | 8427 MUIRLAND DR CLEVELAND, OH 44147 | COLONIAL LIFE - ARDL | $180 | — | $180 | 0.56% |
| DEBORAH WILLHITE | 3619 1/2 PONCIANA AVE AKRON, OH 44319 | COLONIAL LIFE - ARDL | $100 | — | $100 | 0.31% |
| HELEN MCCREADY | 1767 25TH STREET CUYAHOGA FALLS, OH 44223 | COLONIAL LIFE - ARDL | $46 | — | $46 | 0.14% |
| KATHLEEN BYRNE | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE - ARDL | $37 | — | $37 | 0.12% |
| WILLIAM A GRAHAM COMPANY Filed as: WILLIAM HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE - POLYMERICS | $1K | $141 | $1K | 13.44% |
| DEBORAH WILLHITE | 3619 1/2 PONICANA AVE AKRON, OH 44319 | COLONIAL LIFE - POLYMERICS | $338 | — | $338 | 3.81% |
| PATRICIA HERTZOG | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE - POLYMERICS | $215 | $14 | $229 | 2.58% |
| SHARON IGNASIAK | 8427 MUIRLAND DR CLEVELAND, OH 44147 | COLONIAL LIFE - POLYMERICS | $34 | — | $34 | 0.38% |
| KATHLEEN BYRNE | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE - POLYMERICS | $26 | — | $26 | 0.29% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUMMA CARE | 138 | $1.6M |
| Dental | GUARDIAN | 122 | $109K |
| Vision | GUARDIAN | 122 | $109K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN | 122 | $149K |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN | 122 | $149K |
| Long-term disability | GUARDIAN | 122 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.