| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | MEDICAL MUTUAL OF OHIO | $35K | — | $35K | 3.57% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD #103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $5K | $16K | 15.40% |
| THERESA L GOIK3 | 7388 CONGRESS ROAD SPENCER, OH 44275 | AFLAC | $1K | $108 | $1K | 6.26% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD #300 CLEVELAND, OH 44131 | AFLAC | $184 | — | $184 | 0.88% |
| KATHERINE ROSE LANG3 | 21617 HALWORTH ROAD BEACHWOOD, OH 44122 | AFLAC | $135 | $22 | $157 | 0.75% |
| DAVID L KUNTZMAN3 | 1844 WEST STATE STREET SUITE C ALLIANCE, OH 44601 | AFLAC | $145 | — | $145 | 0.69% |
| A C LONG & ASSOCIATES INC3 Filed as: AC LONG & ASSOCIATES INC | 1133 MEDINA ROAD #500 MEDINA, OH 44256 | AFLAC | $121 | $22 | $143 | 0.68% |
| MARK L HENDERSON3 | 4433 38TH STREET NORTHWEST SUITE 4 CANTON, OH 44256 | AFLAC | $127 | — | $127 | 0.61% |
| MARK L HUFHAND3 | 3313 LEE STREET NORTHWEST NORTH CANTON, OH 44720 | AFLAC | $100 | — | $100 | 0.48% |
| NICHOLAS PETRYCKI3 Filed as: NICHOLAS L PETRYCKI | 8141 LARKSPUR AVENUE NORTHWEST NORTH CANTON, OH 44720 | AFLAC | $93 | — | $93 | 0.44% |
| GAYLORD I KAUFFMAN3 | 315 GREEN RIDGE ROAD SUITE H1 NEW CASTLE, PA 16105 | AFLAC | $71 | — | $71 | 0.34% |
| JOHN HALL3 Filed as: JOHN L HALL | 8467 BALD EAGLE CIRCLE NORTHWEST MASSILLON, OH 44646 | AFLAC | $65 | — | $65 | 0.31% |
| CATHERINE A LEPORE3 | 2830 COPLEY ROAD SUITE 26 COPLEY, OH 44321 | AFLAC | $56 | — | $56 | 0.27% |
| THOMAS A HOUSE3 | 1089 HARMONY LANE CLERMONT, FL 34711 | AFLAC | $50 | — | $50 | 0.24% |
| TIMOTHY W MILLER3 | 457 STEPHENS ROAD AKRON, OH 44312 | AFLAC | $44 | — | $44 | 0.21% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $28 | — | $28 | 0.13% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | AFLAC | $28 | — | $28 | 0.13% |
| THOMAS A HOUSE3 | 2133 QUAIL HOLLOW DRIVE BRUNSWICK, OH 44212 | AFLAC | $28 | — | $28 | 0.13% |
| DAVID P AESOPH3 | 1301 SOUTH SUMMIT AVENUE SIOX FALLS, SD 57105 | AFLAC | $27 | — | $27 | 0.13% |
| TERRI L CAMPBELL3 | 3931 ALLARD ROAD MEDINA, OH 44256 | AFLAC | $27 | — | $27 | 0.13% |
| JAMES N PETRYCKI3 | 2851 STATE ROUTE 138 SARDINIA, OH 45171 | AFLAC | $21 | — | $21 | 0.10% |
| MICHAEL R REBER3 | 8600 HIDDEN RIVER PARKWAY SUITE 75 TAMPA, FL 33637 | AFLAC | $19 | — | $19 | 0.09% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE ROAD SUITE H1 NEW CASTLE, PA 16105 | AFLAC | $17 | — | $17 | 0.08% |
| KARA M CARMODY3 | 718 HOYT AVENUE EAST STREET ST PAUL, MN 55106 | AFLAC | $14 | — | $14 | 0.07% |
| TODD SCOTT3 Filed as: TODD A SCOTT | 1648 PLYMOUTH KNOLL AVENUE NORTHWES MASSILLON, OH 44646 | AFLAC | $11 | — | $11 | 0.05% |
| QUINN, MEYER & ASSOCIATES3 Filed as: QUINN MEYER & ASSOCIATES | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $10 | — | $10 | 0.05% |
| MICHAEL FINLEY3 Filed as: MICHAEL D FINLEY | 907 EAST FRONT STREET DOVER, OH 44622 | AFLAC | $9 | — | $9 | 0.04% |
| MICHAEL W BERUBE3 | 339 23RD STREET NORTHWEST CANTON, OH 44709 | AFLAC | $9 | — | $9 | 0.04% |
| HARE AND ASSOCIATES LLC3 | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | AFLAC | $6 | — | $6 | 0.03% |
| CHRISTOPHER L ALTON3 | 150 NORTH MILLER ROAD SUITE 300A FAIRLAWN, OH 44333 | AFLAC | $3 | — | $3 | 0.01% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S DICKINSON | PO BOX 360277 STRONGSVILLE, OH 44147 | AFLAC | $3 | — | $3 | 0.01% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $3 | — | $3 | 0.01% |
| JACK A SHADE3 | 690 TREE BEND COURT WESTERVILLE, OH 43082 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN D SUSIE3 | 8682 HAWICK COURT NORTH DUBLIN, OH 43017 | AFLAC | $1 | — | $1 | 0.00% |
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 | 133 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 98 | $988K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $126K |
| Vision | AFLAC | 31 | $21K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $126K |
| Short-term disability | AFLAC | 31 | $21K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $105K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.