| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC. | 4700 ROCKSIDE ROAD INDEPENDENCE, OH 44141 | MEDICAL MUTUAL HEALTH SERVICES | $28K | $397K | $425K | 13.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC. | 4700 ROCKSIDE ROAD CLEVELAND, OH 44131 | SYMETRA | $21K | $3K | $24K | 17.22% |
| NORMAN R. FLEETER3 | 25700 SCIENCE PARK DRIVE BEACHWOOD, OH 44122 | AFLAC | $125 | — | $125 | 3.64% |
| STEVE MINTZ3 | 12 WINDWARD WAY CHAGRIN FALLS, OH 44023 | AFLAC | $83 | — | $83 | 2.42% |
| MARC J HAIRE3 Filed as: MARC J. HAIRE | 9885 GREENHAVEN PARKWAY BRECKSVILLE, OH 44141 | AFLAC | $31 | — | $31 | 0.90% |
| LANCE S MEINERS3 Filed as: LANCE S. MEINERS | 557 LONG COVE AVE. AVON LAKE, OH 44012 | AFLAC | $30 | — | $30 | 0.87% |
| JOSEPH A. GOLDER3 | 3912 CLAYBOURNE AVE CLEVELAND, OH 44109 | AFLAC | $29 | — | $29 | 0.84% |
| WILLIAM CASSIDY WAGNER3 | 2422 LUCILLE ST. WINSTON SALEM, NC 27127 | AFLAC | $16 | — | $16 | 0.47% |
| PAUL SCHILL3 | 13612 OAK PARK GARFIELD HEIGHTS, OH 44125 | AFLAC | $14 | — | $14 | 0.41% |
| DAVID P AESOPH3 Filed as: DAVID P. AESOPH | 2700 W. NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $8 | — | $8 | 0.23% |
| THOMAS WESLEY3 Filed as: THOMAS J. WESLEY | 837 MOSS CANYON DRIVE AMHERST, OH 44001 | AFLAC | $6 | — | $6 | 0.17% |
| LISA CUNNINGHAM3 Filed as: LISA M. CUNNINGHAM | 8078 POLK PATH REYNOLDSBURG, OH 43068 | AFLAC | $5 | — | $5 | 0.15% |
| DONNA CABLE3 Filed as: DONNA E. CABLE | 6306 STONE RD. HUDSON, OH 44236 | AFLAC | $3 | — | $3 | 0.09% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC. | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $3 | — | $3 | 0.09% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $1 | — | $1 | 0.03% |
| OPPORTUNITY INC3 Filed as: OPPORTUNITY INC. | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $1 | — | $1 | 0.03% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL HEALTH SERVICES | 235 | $3.2M |
| Dental | SYMETRA | 305 | $138K |
| Vision | SYMETRA | 305 | $138K |
| Life insurance | SYMETRA | 305 | $138K |
| Short-term disability | SYMETRA | 305 | $138K |
| Long-term disability | SYMETRA | 305 | $138K |
| Other(2 contracts, 2 carriers) | SYMETRA | 305 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.