| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD J. FLEETER, INC.3 Filed as: RONALD J FLEETER INC | 25700 SCIENCE DRIVE SUITE 130 BEACHWOOD, OH 441227317 | APEX SUMMA | $59K | — | $59K | 9.64% |
| RONALD J. FLEETER, INC.3 Filed as: RONALD FLEETER INC | 25700 SCIENCE DRIVE SUITE 130 BEACHWOOD, OH 44122 | GUARDIAN | $15K | — | $15K | 5.51% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP | 325 N. KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $11K | — | $11K | 4.21% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 INDEPENDENCE, OH 44131 | GUARDIAN | $1K | $7K | $9K | 3.34% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE ROAD SUITE 300 INDEPENDENCE, OH 44131 | GUARDIAN | $5K | — | $5K | 1.83% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN | $28 | — | $28 | 0.01% |
| DANEEN MARIE PURPURA3 | 4228 ROYALWOOD ROAD N. ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $317 | $9K | 8.57% |
| JOSEPH L FISHER & ASSOCIATES INC.3 Filed as: JOSEPH L FISHER & ASSOCIATES | 4383 RIDGE CREST DR COPLEY, OH 44321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 4.58% |
| DIANA GILLESPIE3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $750 | $3K | 2.50% |
| CAROL JANE RILEY3 | 13911 LISBON RD SALEM, OH 44460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $53 | $2K | 1.46% |
| CHRISTOPHER L MOLDAS3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $308 | $1K | 1.24% |
| LAUREL ANN ARNOLD3 | 10259 THISTLE CT BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | — | $218 | 0.20% |
| BENEFITS COURT II INC3 Filed as: BENEFITS COURT LI INC | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| JOSEPH L FISHER & ASSOCIATES INC.3 Filed as: JOSEPH L FISHER & ASSOCIATES | 4383 RIDGE CREST DR COPLEY, OH 44321 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.90% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE RD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
| PATRICIA HERTZOG3 | 8825 CHAUCER BLVD BROADVIEW HTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVE RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | APEX SUMMA | 200 | $609K |
| Dental | GUARDIAN | 210 | $263K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 261 | $17K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 210 | $371K |
| Short-term disability(3 contracts, 2 carriers) | GUARDIAN | 210 | $371K |
| Long-term disability | GUARDIAN | 210 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.