| 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 | $82K | — | $82K | 7.94% |
| RONALD J. FLEETER, INC.3 Filed as: RONALD J FLEETER INC. | 25700 SCIENCE DRIVE, SUITE 130 BEACHWOOD, OH 44122 | GUARDIAN | $28K | — | $28K | 6.14% |
| DANEEN MARIE PURPURA3 | 4228 ROYALWOOD RD N. ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $296 | $16K | 7.77% |
| JOSEPH L FISHER & ASSOCIATES INC.3 | 4383 RIDGE CREST DR COPLEY, OH 44321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 4.22% |
| DIANA GILLESPIE3 Filed as: DIANA GILLEPSIE | 1122 BOULDER LANE KENT, OH 44240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $213 | $4K | 1.84% |
| CHRISTOPHER L MOLDAS3 | 1122 BOULDER LN, APT 202 KENT, OH 44240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $5 | $3K | 1.32% |
| CAROL JANE RILEY3 | 13911 LISBON RD SALEM, OH 44460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $3 | $1K | 0.69% |
| DANIELLE LEE SWAIN3 | 3348 KLAGES BLVD TALLMADGE, OH 44278 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.55% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC. | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ARTHUR WAYNE JORDAN JR3 Filed as: ARTHUR WAYNE JORDAN JR. | 514 OAKWOOD AVE. RALEIGH, NC 27601 | 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 | $3K | — | $3K | 9.92% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | APEX/SUMMA | 631 | $1.0M |
| Dental | GUARDIAN | 294 | $464K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 430 | $26K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 294 | $671K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 294 | $671K |
| Long-term disability | GUARDIAN | 294 | $464K |
| Other | GUARDIAN | 294 | $464K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 631 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.