| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD SUITE 300 CLEVELAND, OH 44131 | MEDICAL MUTUAL OF OHIO | $32K | $16K | $47K | 4.60% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD #103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $6K | $17K | 16.82% |
| LIFETIME FINANCIAL GROWTH OF N3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.01% |
| THERESA L GOIK3 | 1816 WEST NIGHTHAWK WAY PHOENIX, AZ 85045 | AFLAC | $841 | $64 | $905 | 5.25% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE ROAD #300 CLEVELAND, OH 44131 | AFLAC | $196 | — | $196 | 1.14% |
| MARK L HENDERSON3 | 4433 38TH STREET NORTHWEST SUITE 4 CANTON, OH 44718 | AFLAC | $104 | — | $104 | 0.60% |
| KATHERINE ROSE LANG3 | 21617 HALWORTH ROAD BEACHWOOD, OH 44122 | AFLAC | $90 | $6 | $96 | 0.56% |
| A C LONG & ASSOCIATES INC3 Filed as: AC LONG & ASSOCIATES INC | 1113 MEDINA ROAD SUITE 500 MEDINA, OH 44256 | AFLAC | $80 | $13 | $93 | 0.54% |
| DAVID L KUNTZMAN3 | 2212 WEST STATE STREET BOX 266 ALLIANCE, OH 44601 | AFLAC | $71 | — | $71 | 0.41% |
| MARK L HUFHAND3 | 3313 LEE STREET NORTHWEST NORTH CANTON, OH 44720 | AFLAC | $70 | — | $70 | 0.41% |
| THOMAS A HOUSE3 | 1089 HARMONY LANE CLERMONT, FL 34711 | AFLAC | $64 | — | $64 | 0.37% |
| CATHERINE A LEPORE3 | 250 ORION STREET NORTHWEST NORTH CANTON, OH 44720 | AFLAC | $56 | — | $56 | 0.32% |
| NICHOLAS PETRYCKI3 Filed as: NICHOLAS L PETRYCKI | 8141 LARKSPUR AVENUE NORTHWEST NORTH CANTON, OH 44720 | AFLAC | $55 | — | $55 | 0.32% |
| TIMOTHY W MILLER3 | 457 STEHPENS ROAD AKRON, OK 44312 | AFLAC | $48 | — | $48 | 0.28% |
| TERRI L CAMPBELL3 | 3931 ALLARD ROAD MEDINA, OH 44256 | AFLAC | $41 | $7 | $48 | 0.28% |
| GAYLORD I KAUFFMAN3 | 315 GREEN RIDGE ROAD SUITE H1 NEW CASTLE, PA 16105 | AFLAC | $40 | — | $40 | 0.23% |
| JOHN HALL3 Filed as: JOHN L HALL | 8467 BALD EAGLE CIRCLE NORTHWEST MASSILLON, OH 44646 | AFLAC | $36 | — | $36 | 0.21% |
| HUMMEL GROUP INC3 | PO BOX 250 BERLIN, OH 44610 | AFLAC | $28 | — | $28 | 0.16% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $26 | — | $26 | 0.15% |
| MICHAEL R REBER3 | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | AFLAC | $21 | — | $21 | 0.12% |
| DAVID P AESOPH3 | 2700 WEST NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $20 | — | $20 | 0.12% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE ROAD SUITE H1 NEW CASTLE, PA 16105 | AFLAC | $19 | — | $19 | 0.11% |
| A C LONG & ASSOCIATES INC3 | 1113 MEDINA ROAD SUITE 500 MEDINA, OH 44256 | AFLAC | $13 | — | $13 | 0.08% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S DICKINSON | PO BOX 360277 STRONGVILLE, OH 44136 | AFLAC | $13 | — | $13 | 0.08% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $12 | — | $12 | 0.07% |
| MICHAEL W BERUBE3 | PO BOX 9825 CANTON, OH 44711 | AFLAC | $10 | — | $10 | 0.06% |
| MICHAEL FINLEY3 Filed as: MICHAEL D FINLEY | 907 EAST FRONT STREET DOVER, OH 44622 | AFLAC | $10 | — | $10 | 0.06% |
| KARA M CARMODY3 | 718 HOYT AVENUE EAST ST PAUL, MN 55106 | AFLAC | $10 | — | $10 | 0.06% |
| JAMES N PETRYCKI3 | 2851 STATE ROUTE 138 SARDINIA, OH 45171 | AFLAC | $8 | — | $8 | 0.05% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $7 | — | $7 | 0.04% |
| HARE AND ASSOCIATES LLC3 | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | AFLAC | $6 | — | $6 | 0.03% |
| JACK A SHADE3 | 690 TREE BEND COURT WESTERVILLE, OH 43082 | AFLAC | $6 | — | $6 | 0.03% |
| CATHERINE A LEPORE3 | 1113 MEDINA ROAD SUITE 500 MEDINA, OH 44256 | AFLAC | $5 | — | $5 | 0.03% |
| TODD SCOTT3 Filed as: TODD A SCOTT | 1648 PLYMOUTH KNOLL AVENUE NW MASSILLON, OH 44646 | AFLAC | $5 | — | $5 | 0.03% |
| JOHN D SUSIE3 | 8682 HAWICK COURT NORTH DUBLIN, OH 43017 | AFLAC | $3 | — | $3 | 0.02% |
| KARA M CARMODY3 | 22260 445TH AVENUE SUITE 201 RAMONA, SD 57054 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN C RASCHELLA3 | 20301 GRAND OAK SHELL BOULEVARD #118-32 ESTERO, FL 33928 | AFLAC | $1 | — | $1 | 0.01% |
| RONALD J GRETHEL3 | 648 HANNA AVENUE LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.01% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $1 | — | $1 | 0.01% |
| SHARON BENNETT3 Filed as: SHARON L BENNETT | 6166 OAKES ROAD BRECKSVILLE, OH 44141 | AFLAC | $1 | — | $1 | 0.01% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $1 | — | $1 | 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 | 147 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 89 | $1.0M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $116K |
| Vision | AFLAC | 24 | $17K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $116K |
| Short-term disability | AFLAC | 24 | $17K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $99K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 89 | $1.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
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.