| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $3K | $17K | 22.55% |
| RH BUIE INSURANCE AGENCY INC3 | 3260 VAN AKEN BLVD SHAKER HEIGHTS, OH 44120 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 10.69% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 9.58% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M IGNASIAK | 8427 MUIRLAND DRIVE CLEVELAND, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $166 | $3K | 4.26% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $134 | $3K | 4.12% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A WILLHITE | 3619 1/2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $85 | $2K | 3.21% |
| VALENE M WOLFE3 Filed as: VALENE M WOLF | 1265 CIRCLE DRIVE AKRON, OH 44310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $685 | $40 | $725 | 0.98% |
| GREG MACDOUGALL3 | 2695 DEER CREEK RUN CORTLAND, OH 44410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DAVID L SMELCER3 Filed as: DAVID A SMELCER | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.59% |
| SELF FUNDED PLANS AGENCY INC3 | 1432 HAMILTON AVE CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.49% |
| RH BUIE INSURANCE AGENCY INC3 | 3260 VAN AKEN BLVD SHAKER HEIGHTS, OH 44120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $72 | — | $72 | 0.12% |
| SELF FUNDED PLANS AGENCY INC3 | 1432 HAMILTON AVE CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $959 | — | $959 | 9.18% |
| RH BUIE INSURANCE AGENCY INC3 | 3260 VAN AKEN BLVD SHAKER HEIGHTS, OH 44120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $85 | — | $85 | 0.81% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $59K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $10K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 82 | $74K |
| Stop-loss / reinsurancereinsurance | COMPANION | 98 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
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.