| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $50K | $0 | $50K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 85638 SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 1.89% |
| IMG5 | 2960 NORTH MERIDIAN ST. INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $73 | $73 | 0.02% |
| 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 | $3K | $0 | $3K | 9.23% |
| DEBORAH LYNN SOLYAN3 | 3494 GRANTON AVE CLEVELAND, OH 44111 | AFLAC | $2K | $204 | $2K | 7.34% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | AFLAC | $792 | $0 | $792 | 2.69% |
| THOMAS WESLEY3 Filed as: THOMAS J WESLEY | 837 MOSS CANYON DR AMHERST, OH 44001 | AFLAC | $682 | $66 | $748 | 2.54% |
| CHARLES HOWARD JOBE3 | 8421 EVERGREEN DR NORTHFIELD, OH 44067 | AFLAC | $272 | $48 | $320 | 1.09% |
| JEFFERY A MAKOWSKI3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $152 | $0 | $152 | 0.52% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $4 | $0 | $4 | 0.01% |
| DEBORAH LYNN SOLYAN3 | 3494 GRANTON AVE CLEVELAND, OH 44111 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $2K | $119 | $2K | 18.93% |
| CHARLES HOWARD JOBE3 | 5755 GRANGER RD, STE 435 INDEPENDENCE, OH 44131 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $273 | $26 | $299 | 3.12% |
| JEFFREY A MAKOWSKI3 | 9150 S HILLS BLVD, STE 250 BROADVIEW HTS, OH 44147 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $67 | $0 | $67 | 0.70% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $38 | $0 | $38 | 0.40% |
| KRISTEN EDGE3 Filed as: KRISTEN SPINOSO | 6028 YALE CT NORTH RIDGEVILLE, OH 44039 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $23 | $6 | $29 | 0.30% |
| DONT SWEAT LIFE INC3 | 160 MIDDLE NECK RD, APT 3B GREAT NECK, NY 11021 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $14 | $0 | $14 | 0.15% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $7 | $0 | $7 | 0.07% |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | 455 | $30K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 361 | $333K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 361 | $333K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 361 | $333K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 361 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.