| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREENWALD UNDERWRITING3 | 5771 MAYFAIR ROAD NORTH CANTON, OH 44720 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.80% |
| ROBERT M NICKOSON3 Filed as: ROBERT M. NICKOSON | 30 NORTHWEST AVENUE BUILDING B SUITE 111 TALMADGE, OH 44278 | VISION SERVICE PLAN | $923 | — | $923 | 6.21% |
| ROBERT M NICKOSON3 | 30B NORTHWEST AVENUE SUITE 111 TALLMADGE, OH 44278 | THE EPIC LIFE INSURANCE COMPANY | $842 | — | $842 | 8.51% |
| BROADSTREET BROKERAGE INS AGENCY3 | 471 EAST BROAD STREET 10TH FLOOR COLUMBUS, OH 43215 | THE EPIC LIFE INSURANCE COMPANY | $446 | — | $446 | 4.51% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $45K |
| Vision | VISION SERVICE PLAN | 100 | $15K |
| Life insurance | THE EPIC LIFE INSURANCE COMPANY | 151 | $10K |
| Other | THE EPIC LIFE INSURANCE COMPANY | 151 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.