| 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 | $4K | $149 | $4K | 6.10% |
| RH BUIE INSURANCE AGENCY INC3 | 3260 VAN AKEN BLVD SHAKER HEIGHTS, OH 44120 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 4.18% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $157 | $2K | 2.75% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M IGNASIAK | 8427 MUIRLAND DRIVE CLEVELAND, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $974 | $27 | $1K | 1.36% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $865 | $0 | $865 | 1.17% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A WILLHITE | 3619 1/2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $469 | $5 | $474 | 0.64% |
| VALENE M WOLFE3 | 1265 CIRCLE DRIVE AKRON, OH 44310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.01% |
| DAVID L SMELCER3 Filed as: DAVID A SMELCER | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $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 | $2K | — | $2K | 3.61% |
| BARRETT BENEFITS GROUP3 Filed as: BARRETT BENEFITS GROUP INC | 3628 WALNUT HILLS BLVD # 200 CLEVELAND, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $562 | — | $562 | 0.92% |
| RH BUIE INSURANCE AGENCY INC3 | 3260 VAN AKEN BLVD SHAKER HEIGHTS, OH 44120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| BARRETT BENEFITS GROUP3 Filed as: BARRETT BENEFITS GROUP INC | 3628 WALNUT HILLS BLVD # 200 CLEVELAND, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $508 | — | $508 | 5.10% |
| THE INDEMNITY GROUP LLC3 Filed as: INDEMNITY GROUP, LLC | 3628 WALNUT HILLS BLVD # 200 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $489 | — | $489 | 4.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BARRETT BENEFITS GROUP EIN 22-3889826 TPA | Contract Administrator Service code 13 | — | $21K |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | 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 | 118 | $61K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $10K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 71 | $74K |
| Stop-loss / reinsurancereinsurance | UNDERWRITING MANAGEMENT EXPERTS GERBER LIFE | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.