| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD 103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY | $9K | $333 | $9K | 10.31% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES E ROSCOE | 3055 ABRAMS TWINSBURG, OH 44087 | AFLAC | $5K | $362 | $5K | 9.27% |
| SHARON BENNETT3 | 6166 OAKES ROAD BRECKSVILLE, OH 44141 | AFLAC | $2K | — | $2K | 2.85% |
| EUGENE MAKOWSKI3 | 8442 LIDO DR BROADVIEW HEIGHTS, OH 44147 | AFLAC | $1K | $66 | $1K | 2.16% |
| STEVEN M MAZUR3 | 6415 MONMOUTH RD CLEVELAND, OH 44129 | AFLAC | $616 | — | $616 | 1.15% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUINLAN | 6505 ROCKSIDE RD INDEPENDENCE, OH 44131 | AFLAC | $386 | $2 | $388 | 0.72% |
| HENSLEY AND ASSOCIATES LLC3 | 1103 SCHROCK RD STE 201 COLUMBUS, OH 43229 | AFLAC | $291 | $71 | $362 | 0.67% |
| KEVIN WRONA3 | 4086 FAR O WAY LANE RICHFIELD, OH 44286 | AFLAC | $335 | — | $335 | 0.62% |
| MAKOWSKI INS AGCY INC3 | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $262 | — | $262 | 0.49% |
| HARE AND ASSOCIATES LLC3 | 470 OLDE WORTHINGTON RD STE 250 WESTERVILLE, OH 43082 | AFLAC | $169 | $65 | $234 | 0.44% |
| ANTHONY P OLSZKO3 | 704 ROLLING BROOKE WAY NORTHFIELD CENTER, OH 44067 | AFLAC | $169 | — | $169 | 0.31% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S. DICKINSON | 11566 HARBOUR LIGHT DRIVE NORTH ROYALTON, OH 44133 | AFLAC | $34 | $7 | $41 | 0.08% |
| RENE JIMENEZ | 13771 GROVE DR GARFIELD HEIGHTS, OH 44125 | AFLAC | $32 | — | $32 | 0.06% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 1301 SOUTH SUMMIT AVE SIOUX FALLS, SD 57105 | AFLAC | $30 | — | $30 | 0.06% |
| TRACY M HABART-GARTMAN3 | 5209 YORTON LN BRUNSWICK, OH 44212 | AFLAC | $22 | — | $22 | 0.04% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $19 | — | $19 | 0.04% |
| GEORGE EDWARD MARSINEK JR3 Filed as: GEORGE EDWARD MARSINEK | 3920 WEBB RD RAVENNA, OH 44266 | ALLSTATE | $115 | — | $115 | 3.77% |
| NICHOLAS FUCIO3 | 2234 RIVERFRONT PKWY CUYAHOGA FALLS, OH 44221 | ALLSTATE | $75 | — | $75 | 2.46% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE ST HARTVILLE, OH 44632 | ALLSTATE | $26 | — | $26 | 0.85% |
| LINDA LEE BOSTON3 Filed as: LINDA LEE STAIF-BOSTON | 13661 MARKET AVE N HARTVILLE, OH 44632 | ALLSTATE | $24 | — | $24 | 0.79% |
| KELVIN B AVERY3 | 13767 SPRECHER AVE CLEVELAND, OH 44135 | ALLSTATE | $23 | — | $23 | 0.75% |
| CHRISTOPHER J CONLEY3 | 5206 YORKSHIRE RD PARMA, OH 44134 | ALLSTATE | $18 | — | $18 | 0.59% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DR SOLON, OH 44139 | ALLSTATE | $16 | — | $16 | 0.52% |
| DAVID MARTIN MCLAUGHLIN3 | 20898 DRAKE RD STRONGSVILLE, OH 44149 | ALLSTATE | $15 | — | $15 | 0.49% |
| ROYDEAN AVERY3 Filed as: ROYDEAN AVERY JR | 14065 HEATHERWOOD DR BROOK PARK, OH 44142 | ALLSTATE | $7 | — | $7 | 0.23% |
| ROYDEAN AVERY3 | 14065 HEATHERWOOD DRIVE BROOKPARK, OH 44142 | ALLSTATE | $4 | — | $4 | 0.13% |
| TOM DENNISON AGENCY INC3 | 3034 CLIFFSIDE DR COPLEY, OH 44321 | ALLSTATE | $3 | — | $3 | 0.10% |
| SHARON BENNETT3 Filed as: SHARON L BENNETT | 6166 OAKES ROAD BRECKSVILLE, OH 44141 | AFLAC | $81 | — | $81 | 6.38% |
| MAKOWSKI INS AGCY INC3 | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $17 | — | $17 | 1.34% |
| RENE JIMENEZ3 | 13771 GROVE DR. GARFIELD HTS, OH 44125 | AFLAC | $15 | — | $15 | 1.18% |
| DAVID P AESOPH3 | 1301 SOUTH SUMMIT AVE SLOUX FALLS, SD 57105 | AFLAC | $5 | — | $5 | 0.39% |
| QUINN, MEYER & ASSOCIATES3 Filed as: QUINN MEYER & ASSOCIATES | 10800 WINCHCOMBE DR DUBLIN, OH 43015 | AFLAC | $4 | — | $4 | 0.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264254 TPA | Plan Administrator Service code 14 | — | $99K |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLSTATE | 133 | $3K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 129 | $91K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 129 | $91K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 129 | $91K |
| Short-term disability(2 contracts) | AFLAC | 69 | $55K |
| Prescription drug | ROUNDSTONE MANAGEMENT LTD | 133 | $0 |
| Stop-loss / reinsurancereinsurance | ROUNDSTONE MANAGEMENT LTD | 133 | $0 |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 129 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
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.