| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON MYERS & ASSOCIATES INC3 Filed as: GIBSON MYERS AND ASSOC INC | 2876 S. ARLINGTON RD AKRON, OH 44312 | MEDICAL MUTUAL OF OHIO | $25K | $24 | $25K | 0.97% |
| GIBSON MYERS & ASSOCIATES INC3 Filed as: GIBSON-MYERS & ASSOCIATES | 2876 S. ARLINGTON RD. AKRON, OH 44312 | COMMUNITY INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| GIBSON MYERS & ASSOCIATES INC3 | 2876 S ARLINGTON RD AKRON, OH 44312 | ANTHEM LIFE INSURANCE COMPANY | $8K | — | $8K | 10.32% |
| ASSOCIATED UNDERWRITERS3 | 2876 S. ARLINGTON ROAD AKRON, OH 44312 | EYEMED | $2K | — | $2K | 10.80% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 114 | $2.5M |
| Dental | COMMUNITY INSURANCE COMPANY | 118 | $94K |
| Vision | EYEMED | 268 | $15K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 116 | $81K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 116 | $81K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 116 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.