| 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 | 10.53% |
| RONALD J. FLEETER, INC.3 Filed as: RONALD FLEETER INC. | 25700 SCIENCE DRIVE SUITE 130 BEACHWOOD, OH 44122 | GUARDIAN | $21K | — | $21K | 7.02% |
| DANEEN MARIE PURPURA3 | 4228 ROYALWOOD ROAD N. ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $132 | $8K | 6.95% |
| CHRISTOPHER L MOLDAS3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $138 | $1K | 1.23% |
| CAROL JANE RILEY3 | 13911 LISBON RD SALEM, OH 44460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $949 | $16 | $965 | 0.83% |
| KAREN L VARGO3 | 949 SHOREWOOD DR. FREMONT, OH 43420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $540 | $1 | $541 | 0.46% |
| LAUREL ANN ARNOLD3 | 10259 THISTLE CT BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.10% |
| 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 | 10.74% |
| 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 | — |
| DIANA GILLESPIE3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $306 | $2K | — |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | APEX/SUMMA | 215 | $613K |
| Dental | GUARDIAN | 224 | $304K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 307 | $21K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 224 | $421K |
| Short-term disability(3 contracts, 2 carriers) | GUARDIAN | 224 | $421K |
| Long-term disability | GUARDIAN | 224 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.