| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 1340 DEPOT STREET ROCKY RIVER, OH 44116 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $8K | $2K | $10K | 6.96% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 440 POLARIS PARKWAY WESTERVILLE, OH 43082 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $3K | — | $3K | 1.88% |
| KRISTOFER RUBLE3 | 3117 EAST BAYVIEW LANE SANDUSKY, OH 44870 | CONTINENTAL AMERICAN INSURANCE COMPANY | $424 | — | $424 | 2.79% |
| ALBERT WAITMAN JR3 | 503 CAMP STREET MANSFIELD, OH 44904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $385 | — | $385 | 2.53% |
| MARTHA A HUFFMAN3 Filed as: MARTHA HUFFMAN | 2382 PLYMOUTH EAST ROAD GREENWICH, OH 44837 | CONTINENTAL AMERICAN INSURANCE COMPANY | $366 | — | $366 | 2.41% |
| JOHNNY HENSLEY JR3 Filed as: JOHNNY HENSLEY JR. | 975 SAUTTER DRIVE MANSFIELD, OH 44904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | — | $181 | 1.19% |
| JOHN D SUSIE3 | 8682 HAWICK COURT NORTH DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 0.75% |
| HARE AND ASSOCIATES LLC3 | 470 OLDE WORTHINGTON ROAD, STE 250 WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.68% |
| WILLIAM J BALL III3 Filed as: WILLIAM BALL III | 9 STOUTENBURG DRIVE NORWALK, OH 44857 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.34% |
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: LORI EISEL HUNTINGTON INSURANCE IN | 121 NORTH MARKET STREET, SUITE 6 WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.32% |
| AMANDA C LONG3 | 1133 MEDINA RD. 200 MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.22% |
| DARREN L BRUNO3 | 7542 STONE LAKE DRIVE DUBLIN, OH 43016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.18% |
| VICKY HEISERMAN3 | 320 N. UNION ST. FOSTORIA, OH 44830 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.18% |
| MARKUS MUELLER3 | 633 NE MUSKRAT RUN PORT ST LUCIE, FL 34983 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.13% |
| JACK A SHADE3 Filed as: JACK SHADE | 470 OLDE WORTHINGTON ROAD, STE 250 WESTERVILLE, OH 44082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| OPPORTUNITY INC3 Filed as: OPPORTUNITY INC. | 9150 SOUTH HILLS BLVD STE 250 BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 272 | $155K |
| Dental | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 272 | $139K |
| Vision | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 272 | $139K |
| Life insurance | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 272 | $139K |
| Other | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 272 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.