| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS INTERNATIONAL3 Filed as: EMPLOYEE BENEFITS INTERNATIONAL INC | 4700 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $0 | $153K | $153K | 9.80% |
| EMPLOYEE BENEFITS INTERNATIONAL3 Filed as: EMPLOYEE BENEFITS INTERNATIONAL INC | 4700 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | GUARDIAN | $27K | $8K | $34K | 18.38% |
| NORMAN R. FLEETER3 | 25700 SCIENCE PARK DRIVE BEACHWOOD, OH 44122 | AFLAC | $285 | — | $285 | 3.65% |
| STEVE MINTZ3 | 12 WINDWARD WAY CHAGRIN FALLS, OH 44023 | AFLAC | $259 | — | $259 | 3.32% |
| MARC J HAIRE3 Filed as: MARC J. HAIRE | 9885 GREENHAVEN PARKWAY BRECKSVILLE, OH 44141 | AFLAC | $97 | — | $97 | 1.24% |
| LANCE S MEINERS3 Filed as: LANCE S. MEINERS | 557 LONG COVE AVE. AVON LAKE, OH 44012 | AFLAC | $48 | — | $48 | 0.62% |
| WILLIAM CASSIDY WAGNER3 | 2422 LUCILLE ST. WINSTON SALEM, NC 27127 | AFLAC | $31 | — | $31 | 0.40% |
| JOSEPH A. GOLDER3 | 12761 N. STAR DR. NORTH ROYALTON, OH 44133 | AFLAC | $29 | — | $29 | 0.37% |
| DONNA CABLE3 Filed as: DONNA E. CABLE | 6306 STONE RD. HUDSON, OH 44236 | AFLAC | $21 | — | $21 | 0.27% |
| DAVID P AESOPH3 Filed as: DAVID P. AESOPH | 1301 SOUTH SUMMIT AVE. SIOUX FALLS, SD 57105 | AFLAC | $19 | — | $19 | 0.24% |
| PAUL SCHILL3 | 13612 OAK PARK GARFIELD HEIGHTS, OH 44125 | AFLAC | $14 | — | $14 | 0.18% |
| THOMAS WESLEY3 Filed as: THOMAS J. WESLEY | 837 MOSS CANYON DRIVE AMHERST, OH 44001 | AFLAC | $6 | — | $6 | 0.08% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC. | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $3 | — | $3 | 0.04% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 194 | $1.6M |
| Dental | GUARDIAN | 262 | $188K |
| Vision | GUARDIAN | 262 | $188K |
| Life insurance | GUARDIAN | 262 | $188K |
| Short-term disability | GUARDIAN | 262 | $188K |
| Long-term disability | GUARDIAN | 262 | $188K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 262 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.