| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INS AGENCY INC | 5005 ROCKSIDE RD INDEPENDENCE, OH 44131 | BARDON INSURANCE | $35K | — | $35K | 14.95% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL,LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.36% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 2443 SIR BARTON WAY SUITE 400 LEXINGTON, KY 40509 | THE GUARDIAN LIFE INSURANCE COMPANY | — | $334 | $334 | 0.35% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES E ROSCOE | 2085 PARKVIEW DR TWINSBURG, OH 44087 | AFLAC | $5K | $113 | $5K | 10.45% |
| SHARON BENNETT3 | 6166 OAKES ROAD BRECKSVILLE, OH 44141 | AFLAC | $976 | — | $976 | 2.01% |
| MAKOWSKI INS AGCY INC3 | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $786 | $23 | $809 | 1.67% |
| ANGELA FANKHAUSER3 Filed as: ANGELA M FANKHAUSER | 34030 MAPLE DR SOLON, OH 44139 | AFLAC | $750 | — | $750 | 1.55% |
| STEPHEN BRIAN LOMBARDOZZI3 Filed as: STEPHEN LOMBARDOZZI | 5329 GARGASZ DR LORAIN, OH 44053 | AFLAC | $390 | $22 | $412 | 0.85% |
| STEVEN M MAZUR3 | 6415 MONMOUTH RD CLEVELAND, OH 44129 | AFLAC | $371 | — | $371 | 0.77% |
| EUGENE MAKOWSKI3 | 8442 LIDO DR BROADVIEW HEIGHTS, OH 44147 | AFLAC | $202 | — | $202 | 0.42% |
| KEVIN WRONA3 Filed as: KEVIN M WRONA | 4086 FAR O WAY LN RICHFIELD, OH 44286 | AFLAC | $146 | — | $146 | 0.30% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $134 | — | $134 | 0.28% |
| ANTHONY P OLSZKO3 | 7322 MEADOW BROOKE WAY NORTHFIELD, OH 44067 | AFLAC | $87 | — | $87 | 0.18% |
| HENSLEY AND ASSOCIATES LLC3 | 1103 SCHROCK RD STE 201 COLUMBUS, OH 43229 | AFLAC | $68 | — | $68 | 0.14% |
| KEVIN WRONA3 | 4086 FAR O WAY LANE RICHFIELD, OH 44286 | AFLAC | $54 | — | $54 | 0.11% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S. DICKINSON | PO BOX 360277 STRONGSVILLE, OH 44136 | AFLAC | $35 | — | $35 | 0.07% |
| HARE AND ASSOCIATES LLC3 | 470 OLDE WORTHINGTON RD STE 250 WESTERVILLE, OH 43082 | AFLAC | $28 | — | $28 | 0.06% |
| GLORIA MARIE FELICIANO JIMENEZ3 | 10123 GREENVIEW AVE CLEVELAND, OH 44125 | AFLAC | $28 | — | $28 | 0.06% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $24 | — | $24 | 0.05% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $22 | — | $22 | 0.05% |
| TRACY M HABART-GARTMAN3 | 5209 YORTON LN BRUNSWICK, OH 44212 | AFLAC | $22 | — | $22 | 0.05% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $19 | — | $19 | 0.04% |
| JACK A SHADE3 Filed as: JACK SHADE | 690 TREE BEND CT WESTERVILLE, OH 43085 | AFLAC | $8 | — | $8 | 0.02% |
| JOHN C RASCHELLA3 Filed as: JOHN RASCHELLA | 20301 GRD OAKSH BLVD #118-32 ESTERO, FL 33928 | AFLAC | $4 | — | $4 | 0.01% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $4 | — | $4 | 0.01% |
| RICO PEREZ3 | 6000 LOMBARDO CTR STE 145 SEVEN HILLS, OH 44131 | AFLAC | $4 | — | $4 | 0.01% |
| JOHN D SUSIE3 | 8682 HAWICK CT N DUBLIN, OH 43017 | AFLAC | $3 | — | $3 | 0.01% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $2 | — | $2 | 0.00% |
| LISA CUNNINGHAM3 | 8076 POLK PATH REYNOLDSBURG, OH 43068 | AFLAC | $2 | — | $2 | 0.00% |
| KRISTEN EDGE3 | 8328 BURLINGTON DR NORTH RIDGEVILLE, OH 44039 | AFLAC | $1 | — | $1 | 0.00% |
| KARA M CARMODY3 | 22260 445TH AVE SUITE 201 RAMONA, SD 57054 | AFLAC | $1 | — | $1 | 0.00% |
| RENE JIMENEZ3 | 13771 GROVE DR GARFIELD HEIGHTS, OH 44125 | AFLAC | — | — | $0 | 0.00% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | — | — | $0 | 0.00% |
| GEORGE EDWARD MARSINEK JR3 Filed as: GEORGE EDWARD MARSINEK, JR | 3920 WEBB RD RAVENNA, OH 44266 | AMERICAN HERITAGE LIFE INSURANC COMPANY - ALLSTATE | $63 | — | $63 | 3.71% |
| NICHOLAS FUCIO3 | 2234 RIVERFRONT PKWY CUYAHOGA FALLS, OH 44221 | AMERICAN HERITAGE LIFE INSURANC COMPANY - ALLSTATE | $38 | — | $38 | 2.24% |
| LINDA LEE BOSTON3 Filed as: LINDA LEE STAIF-BOSTON | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANC COMPANY - ALLSTATE | $16 | — | $16 | 0.94% |
| THOMAS W BOSTON3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANC COMPANY - ALLSTATE | $14 | — | $14 | 0.83% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DR SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANC COMPANY - ALLSTATE | $14 | — | $14 | 0.83% |
| CHRISTOPHER J CONLEY3 | 5206 YORKSHIRE RD PARMA, OH 44134 | AMERICAN HERITAGE LIFE INSURANC COMPANY - ALLSTATE | $9 | — | $9 | 0.53% |
| DAVID MARTIN MCLAUGHLIN3 | 20898 DRAKE RD STRONGSVILLE, OH 44149 | AMERICAN HERITAGE LIFE INSURANC COMPANY - ALLSTATE | $8 | — | $8 | 0.47% |
| TOM DENNISON AGENCY INC3 | 3034 CLIFFSIDE DR COPLEY, OH 44321 | AMERICAN HERITAGE LIFE INSURANC COMPANY - ALLSTATE | $2 | — | $2 | 0.12% |
| 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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 133 | $95K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 133 | $95K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 133 | $95K |
| Short-term disability | AFLAC | 64 | $48K |
| Stop-loss / reinsurancereinsurance | BARDON INSURANCE | 117 | $237K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 133 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.