| 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 | $5K | $508 | $6K | 7.36% |
| RH BUIE INSURANCE AGENCY INC3 | 3260 VAN AKEN BLVD SHAKER HEIGHTS, OH 44120 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.64% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $350 | $2K | 3.09% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M IGNASIAK | 8427 MUIRLAND DRIVE CLEVELAND, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $20 | $1K | 1.29% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $993 | $15 | $1K | 1.27% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A WILLHITE | 3619 1/2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $798 | $13 | $811 | 1.02% |
| VALENE M WOLFE3 | 1265 CIRCLE DRIVE AKRON, OH 44310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.04% |
| DAVID L SMELCER3 Filed as: DAVID A SMELCER | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE INDEMNITY GROUP LLC3 Filed as: INDEMNITY GROUP, LLC | 3628 WALNUT HILLS BLVD # 200 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.67% |
| RH BUIE INSURANCE AGENCY INC3 | 3260 VAN AKEN BLVD SHAKER HEIGHTS, OH 44120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| THE INDEMNITY GROUP LLC3 Filed as: INDEMNITY GROUP, LLC | 3628 WALNUT HILLS BLVD # 200 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $921 | — | $921 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BARRETT BENEFITS GROUP EIN 22-3889826 TPA | Contract Administrator Service code 13 | — | $23K |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNDERWRITING MANAGEMENT EXPERTS GERBER LIFE | 0 | $0 |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $58K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $9K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 67 | $79K |
| Stop-loss / reinsurancereinsurance | UNDERWRITING MANAGEMENT EXPERTS GERBER LIFE | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.