| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | SUMMACARE | $25K | — | $25K | 3.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD #103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 14.74% |
| THERESA L GOIK3 | 7388 CONGRESS ROAD SPENCER, OH 44275 | AFLAC | $2K | $107 | $2K | 10.40% |
| KATHERINE ROSE LANG3 | 21617 HALWORTH ROAD BEACHWOOD, OH 44122 | AFLAC | $214 | $16 | $230 | 1.17% |
| A C LONG & ASSOCIATES INC3 Filed as: AC LONG & ASSOCIATES INC | 1133 MEDINA ROAD #200 MEDINA, OH 44256 | AFLAC | $206 | $21 | $227 | 1.15% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD #300 CLEVELAND, OH 44131 | AFLAC | $136 | — | $136 | 0.69% |
| DAVID L KUNTZMAN3 | 1844 WEST STATE STREET SUITE C ALLIANCE, OH 44601 | AFLAC | $132 | — | $132 | 0.67% |
| MARK L HENDERSON3 | 4960 HIGBEE AVENUE NORTHWEST SUITE 100 CANTON, OH 44718 | AFLAC | $113 | — | $113 | 0.57% |
| MARK L HUFHAND3 | 3313 LEE STREET NORTHWEST NORTH CANTON, OH 44720 | AFLAC | $94 | — | $94 | 0.48% |
| NICHOLAS PETRYCKI3 Filed as: NICHOLAS L PETRYCKI | 8141 LARKSPUR AVENUE NORTHWEST NORTH CANTON, OH 44720 | AFLAC | $88 | — | $88 | 0.45% |
| GAYLORD I KAUFFMAN3 | 315 GREEN RIDGE ROAD SUITE H1 NEW CASTLE, PA 16105 | AFLAC | $69 | — | $69 | 0.35% |
| JOHN HALL3 Filed as: JOHN L HALL | 8467 BALD EAGLE CIRCLE NORTHWEST MASSILLON, OH 44646 | AFLAC | $66 | — | $66 | 0.33% |
| THOMAS A HOUSE3 | PO BOX 13653 AKRON, OH 44334 | AFLAC | $55 | — | $55 | 0.28% |
| CATHERINE A LEPORE3 | 2830 COPLEY ROAD SUITE 26 COPLEY, OH 44321 | AFLAC | $46 | — | $46 | 0.23% |
| HARE AND ASSOCIATES LLC3 | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | AFLAC | $26 | $16 | $42 | 0.21% |
| KATHERINE ROSE LANG3 | 1133 MEDINA ROAD #200 MEDINA, OH 44258 | AFLAC | $32 | $5 | $37 | 0.19% |
| TIMOTHY W MILLER3 | 457 STEPHENS ROAD AKRON, OH 44312 | AFLAC | $36 | — | $36 | 0.18% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $27 | $5 | $32 | 0.16% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | AFLAC | $31 | — | $31 | 0.16% |
| DAVID P AESOPH3 | 1301 SOUTH SUMMIT AVENUE SIOX FALLS, SD 57105 | AFLAC | $26 | — | $26 | 0.13% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE ROAD SUITE H1 NEW CASTLE, PA 16105 | AFLAC | $18 | — | $18 | 0.09% |
| JAMES N PETRYCKI3 | 2851 STATE ROUTE 138 SARDINIA, OH 45171 | AFLAC | $18 | — | $18 | 0.09% |
| MICHAEL R REBER3 | 8600 HIDDEN RIVER PARKWAY SUITE 75 TAMPA, FL 33637 | AFLAC | $16 | — | $16 | 0.08% |
| THOMAS A HOUSE3 | 2133 QUAIL HOLLOW DRIVE BRUNSWICK, OH 44212 | AFLAC | $16 | — | $16 | 0.08% |
| KARA M CARMODY3 | 718 HOYT AVENUE EAST STREET ST PAUL, MN 55106 | AFLAC | $11 | — | $11 | 0.06% |
| MICHAEL FINLEY3 Filed as: MICHAEL D FINLEY | 907 EAST FRONT STREET DOVER, OH 44622 | AFLAC | $10 | — | $10 | 0.05% |
| QUINN, MEYER & ASSOCIATES3 Filed as: QUINN MEYER & ASSOCIATES | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $9 | — | $9 | 0.05% |
| TODD SCOTT3 Filed as: TODD A SCOTT | 1648 PLYMOUTH KNOLL AVENUE NORTHWES MASSILLON, OH 44646 | AFLAC | $9 | — | $9 | 0.05% |
| MICHAEL W BERUBE3 | 339 23RD STREET NORTHWEST CANTON, OH 44709 | AFLAC | $8 | — | $8 | 0.04% |
| CHISTOPHER L ALTON3 | 150 NORTH MILLER ROAD SUITE 300A FAIRLAWN, OH 44333 | AFLAC | $4 | — | $4 | 0.02% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUMMACARE | 123 | $845K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $128K |
| Vision | AFLAC | 33 | $20K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $128K |
| Short-term disability | AFLAC | 33 | $20K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $109K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.