| 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 44122 | APEX/SUMMA | $65K | — | $65K | 8.52% |
| RONALD J. FLEETER, INC.3 Filed as: RONALD FLEETER INC. | 25700 SCIENCE DRIVE SUITE 130 BEACHWOOD, OH 44122 | GUARDIAN | $20K | — | $20K | 7.04% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $10K | — | $10K | 3.35% |
| LIFETIME FINANCIAL GROWTH OF N3 Filed as: LIFETIME FINANCIAL GROUP OF N | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN | $26 | — | $26 | 0.01% |
| DANEEN MARIE PURPURA3 | 4228 ROYALWOOD ROAD N. ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $245 | $12K | 8.98% |
| KAREN L VARGO3 | 949 SHOREWOOD DR. FREMONT, OH 43420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $164 | $3K | 2.44% |
| CHRISTOPHER L MOLDAS3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $720 | $3K | 2.03% |
| CAROL JANE RILEY3 | 13911 LISBON RD SALEM, OH 44460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $793 | $15 | $808 | 0.59% |
| LAUREL ANN ARNOLD3 | 10259 THISTLE CT BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | — | $182 | 0.13% |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT LI INC. | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOSEPH L FISHER & ASSOCIATES INC.3 | 4383 RIDGE CREST DR. COPLEY, OH 44321 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.92% |
| 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 | — |
| DIANA GILLESPIE3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | — |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | APEX/SUMMA | 209 | $758K |
| Dental | GUARDIAN | 213 | $284K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 294 | $20K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 213 | $422K |
| Short-term disability(3 contracts, 2 carriers) | GUARDIAN | 213 | $422K |
| Long-term disability | GUARDIAN | 213 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.