| 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 | $11K | $24K | $36K | 11.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 15.00% |
| DEBORAH LYNN SOLYAN3 | 3494 GRANTON AVE CLEVELAND, OH 44111 | AFLAC | $4K | $163 | $4K | 13.74% |
| THOMAS WESLEY3 | 837 MOSS CANYON DR AMHERST, OH 44001 | AFLAC | $974 | $0 | $974 | 3.29% |
| CHARLES HOWARD JOBE3 | 8421 EVERGREEN DR NORTHFIELD, OH 44067 | AFLAC | $528 | $35 | $563 | 1.90% |
| JEFFERY A MAKOWSKI3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $188 | $3 | $191 | 0.65% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $3 | $0 | $3 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, A MARSH & MCLENNAN AGCY | 20 N MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | $2K | $0 | $2K | 10.00% |
| DEBORAH LYNN SOLYAN3 | 3494 GRANTON AVE CLEVELAND, OH 44111 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $559 | $6 | $565 | 18.09% |
| CHARLES HOWARD JOBE3 | 5755 GRANGER RD, STE 435 INDEPENDENCE, OH 44131 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $85 | $0 | $85 | 2.72% |
| JEFFREY A MAKOWSKI3 | 9150 S HILLS BLVD, STE 250 BROADVIEW HTS, OH 44147 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $51 | $1 | $52 | 1.66% |
| KRISTEN EDGE3 Filed as: KRISTEN SPINOSO | 6028 YALE CT NORTH RIDGEVILLE, OH 44039 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $46 | $0 | $46 | 1.47% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $29 | $0 | $29 | 0.93% |
| DONT SWEAT LIFE INC3 | 160 MIDDLE NECK RD, APT 3B GREAT NECK, NY 11021 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $11 | $0 | $11 | 0.35% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $6 | $0 | $6 | 0.19% |
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 | 337 | 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) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | 469 | $24K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 342 | $340K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 342 | $340K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 342 | $340K |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 342 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.