| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT T WRIGHT3 Filed as: ROBERT T. WRIGHT | 3980 CORBY ST. NW UNIONTOWN, OH 44685 | AFLAC | $6K | $172 | $7K | 14.41% |
| YEN H HUYNH3 Filed as: YEN H. HUYNH | 1224 NW 29TH STREET OKLAHOMA CITY, OK 73106 | AFLAC | $2K | $39 | $2K | 3.78% |
| CULLEN SMITH & ASSOCIATES INC3 Filed as: CULLEN SMITH & ASSOCIATES, INC. | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $948 | $8 | $956 | 2.07% |
| ANDREW DUDONES3 | 3603 WALLINGTON CIR UNIONTOWN, OH 44685 | AFLAC | $654 | — | $654 | 1.42% |
| MARK L HENDERSON3 Filed as: MARK L. HENDERSON | 4433 38TH ST. NW, STE. 4 CANTON, OH 44718 | AFLAC | $381 | $8 | $389 | 0.84% |
| BRANDI L. HUZYAK3 | 727 JENNINGS AVE. SALEM, OH 44460 | AFLAC | $365 | — | $365 | 0.79% |
| MARSHALL R BERKLEY3 Filed as: MARSHALL R. BERKLEY | 12317 HUNTERS CROSSING LANE BURLESON, TX 76028 | AFLAC | $236 | — | $236 | 0.51% |
| ANGELA FANKHAUSER3 Filed as: ANGELA M. FRANKHAUSER | 6000 BUCKBOARD LN SOLON, OH 44139 | AFLAC | $229 | — | $229 | 0.50% |
| THOMAS A HOUSE3 Filed as: THOMAS A. HOUSE | 2133 QUAIL HOLLOW DR. BRUNSWICK, OH 44212 | AFLAC | $154 | $19 | $173 | 0.37% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS. AGCY INC. | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $110 | $19 | $129 | 0.28% |
| ROBIN R GULLIAS3 Filed as: ROBIN R. GULLIAS | 652 HIGHLANDER AVE NW MASSILLON, OH 44648 | AFLAC | $129 | — | $129 | 0.28% |
| MICHAEL R REBER3 Filed as: MICHAEL R. REBER | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | AFLAC | $105 | — | $105 | 0.23% |
| DAVID P AESOPH3 Filed as: DAVID P. AESOPH | 2700 W. NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $89 | — | $89 | 0.19% |
| CHRISTOPHER L ALTON3 Filed as: CHRISTOPHER L. ALTON | 150 N MILLER SUITE 300A FAIRLAWN, OH 44333 | AFLAC | $79 | — | $79 | 0.17% |
| MARK L HUFHAND3 Filed as: MARK L. HUFHAND | 925 S MAIN ST STE. B NORTH CANTON, OH 44720 | AFLAC | $72 | — | $72 | 0.16% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOCIATES, LLC | 6324 TARTON FIELDS LN MASON, OH 45040 | AFLAC | $29 | $8 | $37 | 0.08% |
| SCOTTI MADISON3 | 3330 COBB PARKWAY SUITE 324-3 ACWORTH, GA 30101 | AFLAC | $12 | — | $12 | 0.03% |
| PHILIP R. WHEELER3 | 6271 EAST HARBOR ROAD, LOT 49 LAKESIDE MARBLEHEAD, OH 43440 | AFLAC | $12 | — | $12 | 0.03% |
| RUSSELL O. ULRICH JR.3 | 150 N MILLER ROAD, STE 300 A FAIRLAWN, OH 44333 | AFLAC | $7 | — | $7 | 0.02% |
| MICHAEL J QUINN3 Filed as: MICHAEL J. QUINN | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $3 | — | $3 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $1 | — | $1 | 0.00% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DR. DUBLIN, OH 43016 | AFLAC | $1 | — | $1 | 0.00% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 48 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 48 | — |
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.