| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 7.65% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 4.00% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | $3K | $0 | $3K | 10.86% |
| DEBORAH LYNN SOLYAN3 Filed as: DEBORAH SOLYAN | 3494 GRANTON AVE CLEVELAND, OH 44111 | AFLAC | $3K | $335 | $4K | 16.85% |
| JEFFERY A MAKOWSKI3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $403 | $75 | $478 | 2.20% |
| THOMAS WESLEY3 | 837 MOSS CANYON DR AMHERST, OH 44001 | AFLAC | $391 | $69 | $460 | 2.12% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES JOBE | 8421 EVERGREEN DR NORTHFIELD, OH 44067 | AFLAC | $141 | $0 | $141 | 0.65% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $4 | $3 | $7 | 0.03% |
| DEBORAH LYNN SOLYAN3 Filed as: DEBORAH SOLYAN | 3494 GRANTON AVE CLEVELAND, OH 44111 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $157 | $28 | $185 | 12.92% |
| JEFFREY A MAKOWSKI3 | 9150 S HILLS BLVD, STE 250 BROADVIEW HTS, OH 44147 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $64 | $7 | $71 | 4.96% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $11 | $13 | $24 | 1.68% |
| DONT SWEAT LIFE INC3 | 160 MIDDLE NECK RD, APT 3B GREAT NECK, NY 11021 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $5 | $3 | $8 | 0.56% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $2 | $3 | $5 | 0.35% |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | 491 | $26K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 346 | $343K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 346 | $343K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 346 | $343K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 346 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.