| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANCORP VANTAGE BENEFIT ADVISORS3 | 6200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $62K | $219 | $62K | 2.72% |
| FRANCIS MIOTKE3 | 6200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | DELTA DENTAL OF OHIO | $11K | $5K | $16K | 16.24% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BNFT ADVSRS | 6200 ROCKSIDE ROAD SUITE 100 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BNFT ADVSRS | 6200 ROCKSIDE ROAD SUITE 100 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BNFT ADVSRS | 6200 ROCKSIDE ROAD SUITE 100 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP/VANTAGE BENEFIT ADVISORS | 6200 ROCKSIDE ROAD CLEVELAND, OH 44131 | AFLAC | $3K | — | $3K | 11.01% |
| STEPHEN BRIAN LOMBARDOZZI3 | 5329 GARGASZ DRIVE LORAIN, OH 44053 | AFLAC | $2K | — | $2K | 8.31% |
| THOMAS WESLEY3 Filed as: THOMAS J WESLEY | 837 MOSS CANYON DRIVE AMHERST, OH 44001 | AFLAC | $734 | — | $734 | 2.91% |
| CHARLES HOWARD JOBE3 | 8241 EVERGREEN DRIVE SAGAMORE HILLS, OH 44067 | AFLAC | $240 | — | $240 | 0.95% |
| KRISTEN EDGE3 Filed as: KRISTEN M SPINOSO | 6028 YALE COURT NORTH RIDGEVILLE, OH 44039 | AFLAC | $205 | — | $205 | 0.81% |
| LANCE S MEINERS3 | 557 LONG CV AVON LAKE, OH 44012 | AFLAC | $131 | — | $131 | 0.52% |
| NICHOLAS A SHERMAN3 | 5041 WADKINS DRIVE GROVE CITY, OH 43123 | AFLAC | $107 | — | $107 | 0.42% |
| TIMOTHY R QUINLAN3 | PO BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $69 | — | $69 | 0.27% |
| MARC J HAIRE3 | 9885 GREENHAVEN PARKWAY BRECKSVILLE, OH 44141 | AFLAC | $53 | — | $53 | 0.21% |
| KEVIN WRONA3 Filed as: KEVIN M WRONA | 9740 CEDARWOOD DRIVE NORTH ROYALTON, OH 44133 | AFLAC | $35 | — | $35 | 0.14% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 20046 WALKER ROAD SUITE 5 SHAKER HEIGHTS, OH 44122 | AFLAC | $34 | — | $34 | 0.13% |
| JOHNNY HENSLEY JR3 Filed as: JOHNNY HENSLEY, JR | 975 SAUTTER DRIVE MANSFIELD, OH 44904 | AFLAC | $19 | — | $19 | 0.08% |
| WILLIAM W MILLER3 | 11181 KIMMERIDGE TRAIL NEWBURY, OH 44065 | AFLAC | $17 | — | $17 | 0.07% |
| DAVID P AESOPH3 | 2700 WEST NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $12 | — | $12 | 0.05% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $9 | — | $9 | 0.04% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $7 | — | $7 | 0.03% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $7 | — | $7 | 0.03% |
| KENNETH F URBANIA3 | 4257 CARL COURT WILLOUGHBY, OH 44094 | AFLAC | $6 | — | $6 | 0.02% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S DICKINSON | PO BOX 360559 STRONGSVILLE, OH 44136 | AFLAC | $6 | — | $6 | 0.02% |
| JACK A SHADE3 | 1878 VERDICT RIDGE DRIVE DENVER, NC 28037 | AFLAC | $4 | — | $4 | 0.02% |
| MARKOWSKI INSURANCE AGENCY INC3 | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $4 | — | $4 | 0.02% |
| JOHN D SUSIE3 | 8682 HAWICK COURT NORTH DUBLIN, OH 43017 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN C RASCHELLA3 | 20521 TAHITIAN BOULEVARD ESTERO, FL 33928 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD J GRETHEL3 | 118 HIGHCLIFF COURT LOVELAND, OH 45140 | AFLAC | $2 | — | $2 | 0.01% |
| LISA CUNNINGHAM3 Filed as: LISA M CUNNINGHAM | 3922 WEST SANDPIPER DRIVE APARTMENT BOYNTON BEACH, FL 33436 | AFLAC | $2 | — | $2 | 0.01% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $1 | — | $1 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVENUE EAST SUITE 201 SAINT PAUL, SD 57054 | AFLAC | $1 | — | $1 | 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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 190 | $2.3M |
| Dental | DELTA DENTAL OF OHIO | 0 | $99K |
| Vision | MEDICAL MUTUAL | 190 | $2.3M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $28K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 62 | $44K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 72 | $32K |
| Prescription drug | MEDICAL MUTUAL | 190 | $2.3M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.