| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN BRIAN LOMBARDOZZI3 Filed as: STEPHEN B LOMBARDOZZI | 35590 CENTER BRIDGE ROAD SUITE 103 NORTH RIDGEVILLE, OH 44039 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 14.44% |
| ANTHONY P OLSZKO3 | 704 ROLLING BROOKE WAY NORTHFIELD CENTER, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $958 | — | $958 | 6.76% |
| EUGENE MAKOWSKI3 | 8442 LIDO DRIVE BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $554 | — | $554 | 3.91% |
| JOHNNY HENSLEY JR3 Filed as: JOHNNY HENSLEY, JR. | 975 SAUTTER DRIVE MANSFIELD, OH 44904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $361 | — | $361 | 2.55% |
| JOHN D SUSIE3 | 8682 HAWICK COURT NORTH DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $236 | — | $236 | 1.67% |
| STEVEN M MAZUR3 | 6415 MONMOUTH ROAD CLEVELAND, OH 44129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180 | — | $180 | 1.27% |
| WRONA INSURANCE INC3 | 6505 ROCKSIDE ROAD SUITE 125 INDEPENDENCE, OH 44131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.59% |
| KRISTEN EDGE3 Filed as: KRISTEN M SPINOSO | 5700 GREAT NORTHERN BOULEVARD C2 NORTH OLMSTED, OH 44070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.57% |
| JACK A SHADE3 | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.37% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS. AGENCY, INC. | 9150 SOUTH HILLS BOULEVARD #250 BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.27% |
| OPPORTUNITY INC3 Filed as: OPPORTUNITY, INC. | 9150 SOUTH HILLS BOULEVARD SUITE 250 BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.23% |
| JOHN D SUSIE3 | 8682 HAWICK COURT NORTH DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.18% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S DICKINSON | 11566 HARBOUR LIGHT DRIVE NORTH ROYALTON, OH 44133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.05% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 106 | $5K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 104 | $21K |
| Long-term disability | STANDARD INSURANCE COMPANY | 104 | $7K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY | 81 | $27K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 106 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.