| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTERPRISE GROUP PLANNING, INC.3 Filed as: ENTERPRISE GROUP PLANNING | — | GERBER LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | GUARDIAN | $14K | — | $14K | 8.11% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | GUARDIAN | $3K | $8K | $11K | 6.19% |
| LIFETIME FINANCIAL GROWTH OF N3 | — | GUARDIAN | $17 | — | $17 | 0.01% |
| DANEEN MARIE PURPURA3 | 4228 ROYALWOOD ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $1K | $13K | 10.61% |
| JOSEPH L FISHER & ASSOCIATES INC.3 Filed as: JOSEPH L FISHER & ASSOCIATES | 4383 RIDGE CREST DR COPLEY, OH 44321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 5.18% |
| DIANA GILLESPIE3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $507 | $3K | 2.26% |
| LAUREL ANN ARNOLD3 | 1485 PEPPERCORN CT BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $82 | $2K | 1.88% |
| CAROL JANE RILEY3 | 13911 LISBON ROAD SALEM, OH 44460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $91 | $1K | 0.97% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H. HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| JOSEPH L FISHER & ASSOCIATES INC.3 Filed as: JOSEPH L FISHER & ASSOCIATES | 25700 SCIENCE DRIVE SUITE 130 BEACHWOOD, OH 441227317 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.15% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 175 | $177K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 201 | $14K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 187 | $301K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 187 | $301K |
| Long-term disability | GUARDIAN | 175 | $177K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 117 | $480K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.