| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | MEDICAL MUTUAL OF OHIO | $55K | $14K | $69K | 4.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | MEDICAL MUTUAL OF OHIO | $5K | — | $5K | 0.33% |
| NICHOLAS YAW3 | 1553 MEADOWBROOK BOULEVARD STOW, OH 44224 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.32% |
| HUNTINGTON INSURANCE INC3 | 121 NORTH MARKET STREET WOOSTER, OH 44691 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $732 | — | $732 | 0.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $501 | — | $501 | 0.57% |
| SELECT GROUP BENEFITS LLC3 | 33 MERZ BOULEVARD SUITE 1 AKRON, OH 44333 | METROPOLITAN LIFE INSURANCE COMPANY | $729 | — | $729 | 13.81% |
| RONALD J. FLEETER, INC.3 Filed as: RONALD J FLEETER INC | 25700 SCIENCE PARK DRIVE SUITE 130 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $276 | — | $276 | 5.23% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $55 | — | $55 | 1.04% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 185 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $88K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 183 | $5K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 185 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 183 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
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.