| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANCORP VANTAGE BENEFIT ADVISORS3 | 6200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $55K | $18 | $55K | 4.07% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP/VANTAGE BENEFIT ADVISORS | 6200 ROCKSIDE ROAD SUITE 100 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $516 | $3K | 5.85% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BNFT ADVSRS | 6200 ROCKSIDE ROAD SUITE 100 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $393 | $3K | 17.54% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BNFT ADVSRS | 6200 ROCKSIDE ROAD SUITE 100 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $306 | $3K | 17.06% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BNFT ADVSRS | 6200 ROCKSIDE ROAD SUITE 100 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $256 | $2K | 17.33% |
| THOMAS WESLEY3 Filed as: THOMAS J WESLEY | 837 MOSS CANYON DRIVE AMHERST, OH 44001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $364 | — | $364 | 3.93% |
| EFIT ADVISORS LLC PLANCORP VANTAGE3 | 6200 ROCKSIDE ROAD SUITE 100 CLEVELAND, OH 44131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | — | $181 | 1.95% |
| NICHOLAS A SHERMAN3 | 5041 WADKINS DRIVE GROVE CITY, OH 43123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | — | $168 | 1.81% |
| KRISTEN EDGE3 Filed as: KRISTEN M SPINOSO | 24860 KENNEDY RIDGE ROAD #103 NORTH OLMSTED, OH 44070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | — | $153 | 1.65% |
| STEPHEN BRIAN LOMBARDOZZI3 Filed as: STEPHEN B LOMBARDOZZI | 5329 GARGASZ DRIVE LORAIN, OH 44053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 1.47% |
| WRONA INSURANCE INC3 | 6505 ROCKSIDE ROAD SUITE 125 INDEPENDENCE, OH 44131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | — | $86 | 0.93% |
| BEN A HALL3 | 9409 WHALERS COVE MENTOR, OH 44060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.78% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS AGENCY, INC. | 9150 SOUTH HILLS BOULEVARD #250 BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.53% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.32% |
| STEPHEN BRIAN LOMBARDOZZI3 Filed as: STEPHEN B LOMBARDOZZI | 5329 GARGASZ DRIVE LORAIN, OH 44053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.30% |
| JOHNNY HENSLEY JR3 Filed as: JOHNNY HELSLEY, JR | 9465 RIVIERA DRIVE UNION, KY 41091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.23% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LANE RENFREW, PA 16053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.13% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S DICKINSON | 16141 HOWE ROAD STRONGVILLE, OH 44136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.12% |
| JACK A SHADE3 | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LANE BROADVIEW HTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 | 6200 ROCKSIDE ROAD CLEVELAND, OH 44131 | MEDMUTUAL LIFE | $551 | $184 | $735 | 19.72% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 130 | $1.3M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $54K |
| Vision | MEDICAL MUTUAL | 130 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 43 | $11K |
| Prescription drug | MEDICAL MUTUAL | 130 | $1.3M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.