| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | GUARDIAN | $18K | — | $18K | 7.49% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | GUARDIAN | $11K | $7K | $18K | 7.41% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN | $1 | — | $1 | 0.00% |
| DANEEN MARIE PURPURA3 | 4228 ROYALWOOD ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $822 | $14K | 9.44% |
| JOSEPH L FISHER & ASSOCIATES INC.3 Filed as: JOSEPH L FISHER & ASSOCIATES | 4383 RIDGE CREST DR COPLEY, OH 44321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 5.15% |
| DIANA GILLESPIE3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $389 | $3K | 2.00% |
| CAROL JANE RILEY3 | 13911 LISBON ROAD SALEM, OH 44460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $49 | $2K | 1.40% |
| LAUREL ANN ARNOLD3 | 1485 PEPPERCORN CT BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $508 | — | $508 | 0.35% |
| 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 | $9 | — | $9 | 0.01% |
| JOSEPH L FISHER & ASSOCIATES INC.3 Filed as: JOSEPH L FISHER & ASSOCIATES | 4383 RIDGE CREST DR COPLEY, OH 44321 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.88% |
| CHRISTOPHER L MOLDAS3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $429 | $276 | $705 | — |
| BENEFITS COURT II INC3 Filed as: BENEFITS COURT LI INC. | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | — |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVE RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | — |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIRIUS AMERICA INSURANCE COMPANY | 148 | $154K |
| Dental | GUARDIAN | 188 | $244K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 230 | $15K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 192 | $389K |
| Short-term disability(3 contracts, 2 carriers) | GUARDIAN | 192 | $389K |
| Long-term disability | GUARDIAN | 188 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
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.