| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXIAL BENEFITS GROUP LLC3 Filed as: AXIAL BENEFIT GROUP | 1 VAN DE GRAAF DRIVE, SUITE 501 BURLINGTON, MA 01803 | MUTUAL HEALTH SERVICES | $51K | — | $51K | 12.04% |
| AXIAL BENEFITS GROUP LLC3 | 1 VAN DE GRAAF DRIVE, SUITE 501 BURLINGTON, MA 01803 | GUARDIAN | $8K | $273 | $8K | 6.47% |
| CHARLES ROSCOE3 | 2085 PARKVIEW DR TWINSBURG, OH 44087 | AFLAC | $3K | $155 | $3K | 12.35% |
| SHAWN E TORRES3 Filed as: SHAWN TORRES | 19749 WESTOVER AVE ROCKY RIVER, OH 44116 | AFLAC | $508 | $36 | $544 | 2.35% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES JOBE | 8421 EVERGREEN DR NORTHFIELD, OH 44067 | AFLAC | $329 | $36 | $365 | 1.57% |
| SHARON BENNETT3 | 16456 GEORGETOWN CT STRONGSVILLE, OH 44136 | AFLAC | $263 | — | $263 | 1.13% |
| STEVEN M MAZUR3 Filed as: STEVEN MAZUR | 6415 MONMOUTH RD CLEVELAND, OH 44129 | AFLAC | $158 | — | $158 | 0.68% |
| STEPHEN BRIAN LOMBARDOZZI3 Filed as: STEPHEN LOMBARDOZZI | 5329 GARGASZ DR LORAIN, OH 44053 | AFLAC | $114 | — | $114 | 0.49% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC. | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $95 | — | $95 | 0.41% |
| ANGELA FANKHAUSER3 | 6266 PORTAGE ST NW APT 3 NORTH CANTON, OH 44720 | AFLAC | $82 | — | $82 | 0.35% |
| KEVIN WRONA3 | 9740 CEDARWOOD DR NORTH ROYALTON, OH 44133 | AFLAC | $75 | — | $75 | 0.32% |
| EUGENE MAKOWSKI3 | 8422 LIDO DR BROADVIEW HTS, OH 44147 | AFLAC | $70 | — | $70 | 0.30% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUINLAN | PO BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $62 | — | $62 | 0.27% |
| JOHNNY HENSLEY JR3 | 975 SAUTTER DR MANSFIELD, OH 44904 | AFLAC | $20 | — | $20 | 0.09% |
| ANTHONY P OLSZKO3 Filed as: ANTHONY OLSZKO | 8910 BRANDYWINE RD NORTHFIELD, OH 44067 | AFLAC | $13 | — | $13 | 0.06% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $9 | — | $9 | 0.04% |
| ROBERTA DICKINSON3 | PO BOX 360559 STRONGSVILLE, OH 44136 | AFLAC | $9 | — | $9 | 0.04% |
| HARE AND ASSOCIATES LLC3 | 6324 TARTON FIELDS LN MASON, OH 45040 | AFLAC | $6 | — | $6 | 0.03% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $5 | — | $5 | 0.02% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $2 | — | $2 | 0.01% |
| JACK A SHADE3 Filed as: JACK SHADE | 1878 VERDICT RIDGE DR DENVER, NC 28037 | AFLAC | $2 | — | $2 | 0.01% |
| RICO PEREZ3 | 6000 LOMBARDO CTR STE 145 SEVEN HILLS, OH 44131 | AFLAC | $2 | — | $2 | 0.01% |
| LISA CUNNINGHAM3 | 3922 W SANDPIPER DR APT 6 BOYNTON BEACH, FL 33436 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MUTUAL HEALTH SERVICES EIN 34-0648820 TPA | Contract Administrator Service code 13 | — | $65K |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MUTUAL HEALTH SERVICES | 110 | $424K |
| Dental | GUARDIAN | 244 | $125K |
| Vision | GUARDIAN | 244 | $125K |
| Life insurance | GUARDIAN | 244 | $125K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 244 | $149K |
| Stop-loss / reinsurancereinsurance | MUTUAL HEALTH SERVICES | 110 | $424K |
| Other | GUARDIAN | 244 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.