| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | OSWALD CENTRE 1100 SUPERIOR SUITE 1 CLEVELAND, OH 44114 | MEDICAL MUTUAL | $37K | $15K | $52K | 4.03% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H. HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $116 | $5K | 7.52% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HTS., OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $76 | $3K | 4.52% |
| RH BUIE INSURANCE AGENCY INC3 Filed as: R H BUIE INSURANCE AGENCY INC | 3260 VAN AKEN BLVD SHAKER HEIGHTS, OH 44120 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.82% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD CO | 1100 SUPERIOR AVE CLEVELAND, OH 44114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.58% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M. IGNASIAK | 8427 MUIRLAND DR CLEVELAND, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $466 | — | $466 | 0.72% |
| GREGORY PAUL STAUDINGER3 | 5650 GREAT NORTHERN BLVD NORTH OLMSTED, OH 44070 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $172 | $137 | $309 | 0.48% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A. WILLHITE | 3619 1/2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.14% |
| COORDINATION GROUP LLC3 | 1204 GARMAN RD AKRON, OH 44313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $19 | $33 | 0.05% |
| APRIL RENA BRYCE3 | 340 BALMORAL DR RICHMOND HEIGHTS, OH 44143 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.04% |
| DAVID A MYCEK3 Filed as: DAVID A. MYCEK | 609 BRIDGESIDE DR AVON LAKE, OH 44012 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.04% |
| KEVIN WRONA3 | 9740 CEDARWOOD DR NORTH ROYALTON, OH 44133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $9 | $23 | 0.04% |
| GREAT LAKE PERIODICALS INC3 | PO BOX 51 AVON LAKE, OH 44012 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| VALENE M WOLFE3 Filed as: VALENE M. WOLFE | 1265 CIRCLE DRIVE AKRON, OH 44310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| DAVID L SMELCER3 Filed as: DAVID LEE SMELCER | P O BOX 356 MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 115 | $1.3M |
| Dental | MEDICAL MUTUAL | 115 | $1.3M |
| Vision | MEDICAL MUTUAL | 115 | $1.3M |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 59 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.