| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY D. HOVANIC3 | — | MEDICAL MUTUAL | $21K | $0 | $21K | 0.99% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS | SERVICES 800 MAIN STREET DUBUQUE, IA 52001 | MEDICAL MUTUAL | $15K | $0 | $15K | 0.71% |
| HOVANIC, GREGORY3 Filed as: G D HOVANIC AGENCY INC | — | MEDICAL MUTUAL | $7K | $0 | $7K | 0.33% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | SERVICES INC. 800 MAIN ST. DUBUQUE, IA 52001 | SUPERIOR DENTAL CARE, A MEDICAL MUTUAL COMPANY | $4K | $0 | $4K | 5.95% |
| HOVANIC, GREGORY3 | 8009 E MARKET ST WARREN, OH 44484 | ANTHEM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.18% |
| BROKERNET INC3 | 110 NORTHWOODS BLVD STE C COLUMBUS, OH 43235 | ANTHEM LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.80% |
| GREGORY HOVANIC3 | 8009 E MARKET ST WARREN, OH 44484 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 5.60% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | SERVICES LLC 800 MAIN STREET DUBUQUE, IA 52001 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 5.50% |
| BROKERNET INC3 | 110 NORTHWOODS BLVD STE C COLUMBUS, OH 43235 | STANDARD INSURANCE COMPANY | $0 | $714 | $714 | 2.44% |
| LEWIS P AGNONE3 | 360 EASTWOOD DR HUBBORD, OH 44425 | CONTINENTAL AMERICAN INSURANCE COMPANY | $376 | — | $376 | 2.51% |
| ANDREW F VERBOSKY JR3 Filed as: ANDREW FRANK VERBOSKY | 491 QUARRY LANE WARREN, OH 44483 | CONTINENTAL AMERICAN INSURANCE COMPANY | $189 | — | $189 | 1.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 111 VETERANS BLVD STE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $160 | — | $160 | 1.07% |
| PAUL D QUILLIN3 Filed as: PAUL QUILLIN | 3144 MEANDERWOOD DR CANFIELD, OH 44406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | — | $133 | 0.89% |
| MICHAEL ROBERT YURCZYK3 | 701 N 2ND STREET #602 MINNEAPOLIS, MN 55401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.86% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123 | — | $123 | 0.82% |
| TJH CONSULTANTS LLC3 | 25144 ROCKY HARBOUR DR PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 0.67% |
| JV FLORIDA INSURANCE CORP3 | 2821 NORTH OCEAN BLVD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.39% |
| MELLISSA ANN GREENE-SHULTZ3 | 6731 LINCOLN AVE HUBBORD, OH 44425 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.31% |
| CHRISTOPHER KOSCHACK3 | 875 5TH ST STRUTHERS, OH 44471 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.15% |
| COREY J JONES3 Filed as: COREY JEAN JONES | 2400 HENN-HYDE ROAD WARREN, OH 44484 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.11% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.09% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| TJH CONSULTANTS LLC3 | 25144 ROCKY HARBOUR DR PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 144 | $2.1M |
| Dental | SUPERIOR DENTAL CARE, A MEDICAL MUTUAL COMPANY | 142 | $72K |
| Vision | MEDICAL MUTUAL | 144 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 150 | $86K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 150 | $86K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 150 | $86K |
| Prescription drug | MEDICAL MUTUAL | 144 | $2.1M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 150 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.