| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 W LAKESIDE AVE STE 410 CLEVELAND, OH 44113 | PRINCIPAL LIFE INSURANCE COMPANY | $54K | — | $54K | 5.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 11 ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 0.47% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD STREET COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | -$6 | — | -$6 | -0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 111 VETERANS BLVD STE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.19% |
| KATHERINE ROSE LANG3 | 21617 HALWORTH ROAD SHAKER HEIGHTS, OH 441223950 | CONTINENTAL AMERICAN INSURANCE COMPANY | $932 | — | $932 | 1.61% |
| MOLLIE B CARLISLE3 | 39566 CHURCHILL ROAD LIBSON, OH 44432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $422 | — | $422 | 0.73% |
| MICHELLE L DAVIS3 Filed as: MICHELLE DAVIS | 1220 AURORA ROAD UNIT B AURORA, OH 44202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $320 | — | $320 | 0.55% |
| PAUL D QUILLIN3 Filed as: PAUL QUILLIN | 3144 MEANDERWOOD DRIVE CANFIELD, OH 444069620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $285 | — | $285 | 0.49% |
| STEPHEN BRIAN LOMBARDOZZI3 | 5329 GARGASZ DR LORAIN, OH 440533361 | CONTINENTAL AMERICAN INSURANCE COMPANY | $283 | — | $283 | 0.49% |
| CHARLES HUGH MACKAY3 | 2383 S MAIN STREET AKRON, OH 44319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $280 | — | $280 | 0.48% |
| ANGELA VEREB FOWLER3 | 104 E HILLCREST AVENUE NEW CASTLE, PA 161052154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $280 | — | $280 | 0.48% |
| JOHN D SUSIE3 | 8682 HAWICK COURT NORTH DUBLIN, OH 430179618 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | — | $261 | 0.45% |
| A C LONG & ASSOCIATES INC3 | 1113 MEDINA ROAD SUITE 500 MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | — | $218 | 0.38% |
| CARLA J ELENZ3 | 118 HAWKINS LANE COLUMBIANA, OH 44408 | CONTINENTAL AMERICAN INSURANCE COMPANY | $131 | — | $131 | 0.23% |
| MATTHEW R. WHITE3 Filed as: MATTHEW RICHARD WHITE | 600 HICKORY HOLLOW DRIVE CANFIELD, OH 44406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | — | $110 | 0.19% |
| AMBER M OPPMAN3 Filed as: AMBER MARIE OPPMAN | 4956 WINDFALL DRIVE MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.12% |
| TERRI L CAMPBELL3 Filed as: TERRI LYNNE CAMPBELL | 3931 ALLARD ROAD MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.11% |
| LEWIN P AGNONE3 | 360 EASTWOOD DRIVE HUBBARD, OH 444251683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.09% |
| PENNY DAVIS3 Filed as: PENNY JO DAVIS | 1533 LIBSON STREET EAST LIVERPOOL, OH 43920 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.06% |
| MARTH ANNE HUFFMAN3 | 394 CLEVELAND ROAD APT 21E NORWALK, OH 448578507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| TERRI PEASE3 Filed as: TERRI L PEASE | 567 SAUGUARO PL BARBERTON, OH 442038630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOHNNY HENSLEY JR3 Filed as: JOHNNY HENSLEY | 9465 RIVIERA DRIVE UNION, KY 41091 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| RUBLE & ASSOCIATES LLC3 | 3769 PROSPECT ROAD NEW LONDON, OH 44851 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| ALBERT WAITMAN JR3 Filed as: ALBERT G WAITMAN | 503 CAMP STREET SANDUSKY, OH 44870 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2 | — | -$2 | -0.00% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD STREET COLUMBUS, OH 43215 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$76 | — | -$76 | -0.13% |
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 | 1,037 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,046 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 106 | $58K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,533 | $1.0M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,533 | $1.0M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,533 | $1.0M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,533 | $1.0M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,533 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,533 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.