| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC5 Filed as: ALLIED BENEFIT SYSTEMS | 200 WEST ADAMS STREET SUITE 500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | $51K | — | $51K | 22.42% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN | 2307 E AURORA ROAD SUITE B13 TWINSBURG, OH 44087 | HCC LIFE INSURANCE COMPANY | $35K | — | $35K | 15.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | HCC LIFE INSURANCE COMPANY | $7K | — | $7K | 3.07% |
| MERITAIN HEALTH3 Filed as: AETNA LIFE INSURANCE COMPANY | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | HCC LIFE INSURANCE COMPANY | $7K | — | $7K | 2.95% |
| BUSINESS & GOVERNMENT INSURANCE3 | 900 ROUTE 9 NORTH WOODBRIDGE, NC 07095 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.32% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN | 2307 E AURORA RD #B-13 TWINSBURG, OH 44087 | AFLAC | $4K | — | $4K | 26.63% |
| JOHN D SUSIE3 | 8682 HAWICK COURT DUBLIN, OH 43017 | AFLAC | $165 | — | $165 | 1.10% |
| STEPHEN BRIAN LOMBARDOZZI3 Filed as: STEPHEN LOMBARDOZZI | 5329 GARGASZ DRIVE LORAIN, OH 44053 | AFLAC | $48 | — | $48 | 0.32% |
| JESSICA B MAKOWSKI3 Filed as: JESSICA MAKOWSKI | 9463 CHESAPEAKE DRIVE NORTH ROYALTON, OH 44133 | AFLAC | $8 | — | $8 | 0.05% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY | 9404 WOODCHIP LANE BROADWAY HEIGHTS, OH 44147 | AFLAC | $7 | — | $7 | 0.05% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN INC. | 2307 E AURORA RD, STE B-13 TWINSBURG, OH 44087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $98 | $2K | 14.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $155 | $21 | $176 | 1.26% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $602 | $10K | 72.94% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE | 2345 LING AVENUE WEST BILLINGS, MT 59102 | UMUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $83 | $2K | 15.75% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN INC. | 2307 E AURORA ROAD SUITE B13 TWINSBURG, OH 44087 | AFLAC | $510 | — | $510 | 34.11% |
| JOHN D SUSIE3 Filed as: JOHN SUSIE | 8682 HAWICK COURT NORTH DUBLIN, OH 43017 | AFLAC | $14 | — | $14 | 0.94% |
| STEPHEN BRIAN LOMBARDOZZI3 Filed as: STEPHEN LOMBARDOZZI | 5329 GARGASZ DRIVE LORAIN, OH 44053 | AFLAC | $14 | — | $14 | 0.94% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 120 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $85K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $85K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 123 | $228K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.