| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 441142544 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $2K | $16K | 11.53% |
| JANE M HUDECK3 Filed as: JANE HUDECK | 7147 BRENDA LEE DR WALTON HILLS, OH 44146 | AFLAC | $5K | $422 | $6K | 6.38% |
| A C LONG & ASSOCIATES INC3 | 1113 MEDINA RD SUITE 500 MEDINA, OH 44256 | AFLAC | $2K | $71 | $2K | 2.11% |
| KEVIN WRONA3 | 4086 FAR O WAY LN RICHFIELD, OH 44286 | AFLAC | $673 | — | $673 | 0.73% |
| STEVE MINTZ3 | 12 WINDWARD WAY CHAGRIN FALLS, OH 44023 | AFLAC | $639 | $0 | $639 | 0.69% |
| MARC J HAIRE3 | 9885 GREENHAVEN PARKWAY BRECKSVILLE, OH 44141 | AFLAC | $371 | — | $371 | 0.40% |
| A C LONG & ASSOCIATES INC3 | 230 VENANGO TRL MARS, PA 16046 | AFLAC | $348 | $13 | $361 | 0.39% |
| ASHLEY GRASER3 | 1113 MEDINA RD SUITE 500 MEDINA, OH 44256 | AFLAC | $342 | — | $342 | 0.37% |
| KATHERINE ROSE LANG3 Filed as: KATHERINE LANG | 21617 HALWORTH RD BEACHWOOD, OH 44122 | AFLAC | $325 | — | $325 | 0.35% |
| ANTHONY HARTMAN3 | 3938 E 41ST ST NEWBURGH HEIGHTS, OH 44105 | AFLAC | $287 | — | $287 | 0.31% |
| TOM DENNISON AGENCY INC3 | 3034 CLIFFSIDE DR COPLEY, OH 44321 | AFLAC | $183 | $72 | $255 | 0.28% |
| ROBERT WRIGHT3 | 3980 CORBY ST NW UNIONTOWN, OH 44685 | AFLAC | $190 | — | $190 | 0.21% |
| TERRI PEASE3 | 1113 MEDINA RD SUITE 500 MEDINA, OH 44256 | AFLAC | $147 | — | $147 | 0.16% |
| ETHEL EBLEN3 | 11116 S TOWNE SQ STE 100 SAINT LOUIS, MO 63123 | AFLAC | $147 | — | $147 | 0.16% |
| MAKOWSKI INS AGCY INC3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $146 | — | $146 | 0.16% |
| THOMAS WESLEY3 | 837 MOSS CANYON DRIVE AMHERST, OH 44001 | AFLAC | $133 | — | $133 | 0.14% |
| ROBERTA DICKINSON3 | PO BOX 360277 STRONGSVILLE, OH 44136 | AFLAC | $97 | — | $97 | 0.11% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $80 | — | $80 | 0.09% |
| JOSEPH M HARRELL3 Filed as: JOSEPH HARRELL | PO BOX 24642 FT LAUDERDALE, FL 33307 | AFLAC | $79 | — | $79 | 0.09% |
| NOREEN L KOLB3 | 28954 LORAIN RD STE 200 NORTH OLMSTED, OH 44070 | AFLAC | $78 | — | $78 | 0.08% |
| WILLIAM CASSIDY WAGNER3 | 2422 LUCILLE ST WINSTON SALEM, NC 27127 | AFLAC | $71 | — | $71 | 0.08% |
| ETHEL P EBLEN3 | 301 OAK ST STE 2-30 QUINCY, IL 62301 | AFLAC | $71 | — | $71 | 0.08% |
| PAUL SCHILL3 | 13612 OAK PARK BLVD GARFIELD HEIGHTS, OH 44125 | AFLAC | $69 | — | $69 | 0.07% |
| JOSEPH M HARRELL3 Filed as: JOSEPH HARRELL | 6640 LYNDALE AVE S APT 206 RICHFIELD, MN 55423 | AFLAC | $67 | — | $67 | 0.07% |
| TIMOTHY BOSKO3 | 2508 MONTCLAIR AVE CLEVELAND, OH 44109 | AFLAC | $65 | — | $65 | 0.07% |
| ANGELA FANKHAUSER3 | 6000 BUCKBOARD LN SOLON, OH 44139 | AFLAC | $45 | $14 | $59 | 0.06% |
| DONNA CABLE3 | 6306 STONE RD HUDSON, OH 44236 | AFLAC | $54 | — | $54 | 0.06% |
| ETHEL EBLEN3 | 330 BELLEZZA DR BALLWIN, MO 63021 | AFLAC | $43 | — | $43 | 0.05% |
| MERCEDES NOBLE REYES3 | 2041 WATERBURY RD LAKEWOOD, OH 44107 | AFLAC | $39 | — | $39 | 0.04% |
| ANGELA FANKHAUSER3 | 34030 MAPLE DR SOLON, OH 44139 | AFLAC | $38 | — | $38 | 0.04% |
| HARE AND ASSOCIATES LLC3 | 6324 TARTON FIELDS LN MASON, OH 45040 | AFLAC | $35 | — | $35 | 0.04% |
| AMANDA C LONG3 Filed as: AMANDA LONG | 1113 MEDINA RD SUITE 500 MEDINA, OH 44256 | AFLAC | $35 | — | $35 | 0.04% |
| JOSEPH MANGANO3 | 6100 OAK TREE BLVD STE 200 INDEPENDENCE, OH 44131 | AFLAC | $31 | — | $31 | 0.03% |
| D SCOTT READ3 | 5770 SKYVIEW DR SOLON, OH 44139 | AFLAC | $30 | — | $30 | 0.03% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $26 | — | $26 | 0.03% |
| TERRI PEASE3 | 567 SAGUARO PL BARBERTON, OH 44203 | AFLAC | $26 | — | $26 | 0.03% |
| SARAH WRONA3 | PO BOX 231 RICHFIELD, OH 44286 | AFLAC | $25 | — | $25 | 0.03% |
| LANCE S MEINERS3 | 557 LONG CV AVON LAKE, OH 44012 | AFLAC | $22 | — | $22 | 0.02% |
| MARLA MANGIONE3 | 23453 WOODVIEW DR NORTH OLMSTED, OH 44070 | AFLAC | $16 | — | $16 | 0.02% |
| JACK A SHADE3 Filed as: JACK SHADE | 690 TREE BEND CT WESTERVILLE, OH 44032 | AFLAC | $14 | — | $14 | 0.02% |
| RITA M HERINGTON3 Filed as: RITA HERINGTON | PO BOX 48 WALLINGFORD, PA 19086 | AFLAC | $13 | — | $13 | 0.01% |
| CHERYL C PEREZ3 | 6000 LOMBARDO CENTER STE 145 SEVEN HILLS, OH 44131 | AFLAC | $8 | — | $8 | 0.01% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $8 | — | $8 | 0.01% |
| RICO PEREZ3 | 6000 LOMBARDO CTR STE 145 SEVEN HILLS, OH 44131 | AFLAC | $7 | — | $7 | 0.01% |
| JEFFREY A MAKOWSKI3 Filed as: JEFFREY MAKOWSKI | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $6 | — | $6 | 0.01% |
| JOHN D SUSIE3 Filed as: JOHN SUSIE | 8682 HAWICK CT N DUBLIN, OH 43017 | AFLAC | $6 | — | $6 | 0.01% |
| LISA CUNNINGHAM3 | 8078 POLK PATH REYNOLDSBURG, OH 43068 | AFLAC | $5 | — | $5 | 0.01% |
| DEBRA OCONNOR FERNANDEZ3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $5 | — | $5 | 0.01% |
| SARAH L PAVLOVICH3 | PO BOX 231 RICHFIELD, OH 44286 | AFLAC | $5 | — | $5 | 0.01% |
| GAYLORD I KAUFFMAN3 Filed as: GAYLORD KAUFFMAN | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16105 | AFLAC | $4 | — | $4 | 0.00% |
| BRADLEY NUDELL3 | 20106 ABIGAIL LN STRONGSVILLE, OH 44149 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL QUINN | 8580 MAJORCA LN NAPLES, FL 34114 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL REBER | 20101 HERON CROSSING DR TAMPA, FL 33647 | AFLAC | $3 | — | $3 | 0.00% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 3313 LEE ST NW NORTH CANTON, OH 44720 | AFLAC | $3 | — | $3 | 0.00% |
| JOSEPH GOLDER3 | 4000 WESTBROOK DR APT 330 BROOKLYN, OH 44144 | AFLAC | $3 | — | $3 | 0.00% |
| CAESAR D WILLIAMS JR3 | 325 CHESTNUT ST 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $3 | — | $3 | 0.00% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $2 | — | $2 | 0.00% |
| JOSEPH GOLDER3 | 3912 CLYBOURNE AVE CLEVELAND, OH 44109 | AFLAC | $1 | — | $1 | 0.00% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON SR | 13661 MARKET AVE N HARTVILLE, OH 44632 | AFLAC | $1 | — | $1 | 0.00% |
| JANE M HUDECK3 | 7147 BRENDA LEE DRIVE WALTON HILLS, OH 44146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.12% |
| ASHLEY GRASER3 Filed as: ASHLEY L GRASER | 1113 MEDINA RD SUITE 500 MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $535 | — | $535 | 1.64% |
| A C LONG & ASSOCIATES INC3 Filed as: A. C. LONG & ASSOCIATES INC. | 1113 MEDINA RD SUITE 500 MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $445 | — | $445 | 1.36% |
| JOHN D SUSIE3 | 8682 HAWICK CT N DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $273 | — | $273 | 0.84% |
| ROBERT WRIGHT3 | 3980 CORBY ROAD UNIONTOWN, OH 44139 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | — | $106 | 0.32% |
| TERRI PEASE3 Filed as: TERRI L PEASE | 414 OAK STREET WADSWORTH, OH 44281 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.30% |
| THOMAS L DENNISON JR3 | 3034 CLIFFSIDE DR COPLEY, OH 44321 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | — | $86 | 0.26% |
| ANGELA FANKHAUSER3 | 6000 BUCKBOARD LN SOLON, OH 44139 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.12% |
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 | 271 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 200 | $125K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $137K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.