| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 3600 AMERICAN BLVD W SUITE 500 MINNEAPOLIS, MN 55431 | MEDICAL MUTUAL | $28K | — | $28K | 8.74% |
| AXIAL BENEFITS GROUP LLC3 Filed as: AXIAL BENEFIT GROUP | 1 VAN DE GRAAF DRIVE STE 501 BURLINGTON, MA 01803 | MEDICAL MUTUAL | $3K | — | $3K | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PARK CENTRAL 7/ 12750 MERIT DR SUITE 1000 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY | $6K | $4K | $10K | 8.50% |
| AXIAL BENEFITS GROUP LLC3 | 1 VAN DE GRAAF DRIVE STE 501 BURLINGTON, MA 01803 | THE GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 6.23% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES E ROSCOE | 2085 PARKVIEW DR TWINSBURG, OH 44087 | AFLAC | $879 | — | $879 | 3.66% |
| SHARON BENNETT3 | 6166 OAKES ROAD BRECKSVILLE, OH 44141 | AFLAC | $315 | — | $315 | 1.31% |
| ANGELA FANKHAUSER3 Filed as: ANGELA M FANKHAUSER | 6266 PORTAGE ST. NW APT 3 NORTH CANTON, OH 44720 | AFLAC | $187 | — | $187 | 0.78% |
| STEVEN M MAZUR3 | 6415 MONMOUTH RD CLEVELAND, OH 44129 | AFLAC | $175 | — | $175 | 0.73% |
| MAKOWSKI INS AGCY INC3 | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $163 | — | $163 | 0.68% |
| STEPHEN BRIAN LOMBARDOZZI3 | 5329 GARGASZ DR LORAIN, OH 44053 | AFLAC | $139 | — | $139 | 0.58% |
| EUGENE MAKOWSKI3 | 8442 LIDO DR BROADVIEW HEIGHTS, OH 44147 | AFLAC | $102 | — | $102 | 0.42% |
| KEVIN WRONA3 Filed as: KEVIN M WRONA | 4086 FAR O WAY LN RICHFIELD, OH 44286 | AFLAC | $85 | — | $85 | 0.35% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $63 | — | $63 | 0.26% |
| JOHNNY HENSLEY JR3 | 975 SAUTTER DR MANSFIELD, OH 44904 | AFLAC | $37 | — | $37 | 0.15% |
| ANTHONY P OLSZKO3 | 7322 MEADOW BROOKE WAY NORTHFIELD, OH 44067 | AFLAC | $17 | — | $17 | 0.07% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S. DICKINSON | PO BOX 360277 STRONGSVILLE, OH 44136 | AFLAC | $17 | — | $17 | 0.07% |
| HARE AND ASSOCIATES LLC3 | 6324 TARTON FIELDS LN MASON, OH 45040 | AFLAC | $14 | — | $14 | 0.06% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $11 | — | $11 | 0.05% |
| 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 | $4 | — | $4 | 0.02% |
| JACK A SHADE3 Filed as: JACK SHADE | 690 TREE BEND CT WESTERVILLE, OH 43082 | AFLAC | $4 | — | $4 | 0.02% |
| RICO PEREZ3 | 6000 LOMBARDO CTR STE 145 SEVEN HILLS, OH 44131 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN D SUSIE3 | 8682 HAWICK CT N DUBLIN, OH 43017 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN C RASCHELLA3 Filed as: JOHN RASCHELLA | 20521 TAHITIAN BLVD ESTERO, FL 33928 | AFLAC | $1 | — | $1 | 0.00% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.00% |
| LISA CUNNINGHAM3 | 8078 POLK PATH REYNOLDSBURG, OH 43068 | AFLAC | $1 | — | $1 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E SUITE 201 SAINT PAUL, SD 57054 | AFLAC | — | — | $0 | 0.00% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES E ROSCOE | 6505 ROCKSIDE ROAD STE 125 INDEPENDENCE, OH 44131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138 | — | $138 | 2.42% |
| SHARON BENNETT3 | 6116 OAKS RD BRECKSVILL, OH 44141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 1.44% |
| STEVEN M MAZUR3 Filed as: STEVEN MAZUR | 6415 MONMOUTH RD CLEVELAND, OH 44129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 1.39% |
| WRONA INSURANCE INC3 Filed as: WRONA INSURANCE INC. | 6505 ROCKSIDE ROAD STE 125 INDEPENDENCE, OH 44131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.61% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUINLAN | 137 SEMICOLIN LANE RENFREW, PA 16053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.47% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC. | 9150 SOUTH HILLS BLVD #250 BROADVIEW HTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.44% |
| JOHN D SUSIE3 | 8682 HAWICK CT N DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.37% |
| STEPHEN BRIAN LOMBARDOZZI3 Filed as: STEPHEN B LOMBARDOZZI | 5329 GARGASZ DR LORAIN, OH 44053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.19% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S. DICKINSON | 16141 HOWE RD STRONGSVILLE, OH 44136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.11% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LANE BROADVIEW HTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.11% |
| EUGENE MAKOWSKI3 | 8442 LIDO DRIVE BROADVIEW HTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.09% |
| GEORGE EDWARD MARSINEK JR3 Filed as: GEORGE MARSINEK | 3920 WEBB RD RAVENNA, OH 44266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 4.60% |
| MILLWOOD ASSOCIATES3 | PO BOX 124 TALLMADGE, OH 44278 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 2.30% |
| LINDA LEE BOSTON3 | 139 MARKET AVE NW HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.89% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 139 MARKET AVE NW HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.77% |
| CHRISTOPHER J CONLEY3 Filed as: CHRISTOPHER CONLEY | 5206 YORKSHIRE RD PARMA, OH 44134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.51% |
| DAVID MARTIN MCLAUGHLIN3 Filed as: DAVID MCLAUGHLIN - ALLSTATE FIN SVC | 20898 DRAKE ROAD STRONGSVILLE, OH 44149 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.38% |
| TOM DENNISON AGENCY INC3 | 3034 CLIFFSIDE DR. COPLEY, OH 44321 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MUTUAL HEALTH SERVICES EIN 34-0648820 TPA | Contract Administrator Service code 13 | — | $63K |
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 | 98 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 107 | $319K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 192 | $115K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 192 | $115K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 192 | $121K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 192 | $139K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL | 107 | $319K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 192 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.