| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXIAL BENEFITS GROUP LLC3 Filed as: AXIAL BENEFIT GROUP | 1 VAN DE GRAAF DRIVE STE 501 BURLINGTON, MA 01803 | MEDICAL MUTUAL | $43K | — | $43K | 11.11% |
| AXIAL BENEFITS GROUP LLC3 | 1 VAN DE GRAAF DRIVE STE 501 BURLINGTON, MA 01803 | THE GUARDIAN LIFE INSURANCE COMPANY | $7K | $928 | $8K | 7.03% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES E ROSCOE | 2085 PARKVIEW DR TWINSBURG, OH 44087 | AFLAC | $2K | — | $2K | 11.15% |
| SHAWN E TORRES3 | 19749 WESTOVER AVE ROCKY RIVER, OH 44116 | AFLAC | $434 | — | $434 | 1.95% |
| CHARLES HOWARD JOBE3 | 8421 EVERGREEN DR NORTHFIELD, OH 44067 | AFLAC | $285 | — | $285 | 1.28% |
| SHARON BENNETT3 Filed as: SHARON L BENNETT | 16456 GEORGETOWN CT STRONGSVILLE, OH 44136 | AFLAC | $266 | — | $266 | 1.19% |
| STEVEN M MAZUR3 | 6415 MONMOUTH RD CLEVELAND, OH 44129 | AFLAC | $163 | — | $163 | 0.73% |
| STEPHEN BRIAN LOMBARDOZZI3 | 5329 GARGASZ DR LORAIN, OH 44053 | AFLAC | $122 | — | $122 | 0.55% |
| MAKOWSKI INS AGCY INC3 | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $104 | — | $104 | 0.47% |
| ANGELA FANKHAUSER3 Filed as: ANGELA M FANKHAUSER | 6266 PORTAGE ST. NW APT 3 NORTH CANTON, OH 44720 | AFLAC | $91 | — | $91 | 0.41% |
| KEVIN WRONA3 Filed as: KEVIN M WRONA | 9740 CEDARWOOD DR NORTH ROYALTON, OH 44133 | AFLAC | $77 | — | $77 | 0.35% |
| EUGENE MAKOWSKI3 Filed as: EUGENE L MAKOWSKI | 8442 LIDO DR BROADVIEW HEIGHTS, OH 44147 | AFLAC | $71 | — | $71 | 0.32% |
| TIMOTHY R QUINLAN3 | PO BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $62 | — | $62 | 0.28% |
| JOHNNY HENSLEY JR3 | 975 SAUTTER DR MANSFIELD, OH 44904 | AFLAC | $20 | — | $20 | 0.09% |
| ANTHONY P OLSZKO3 | 7322 MEADOW BROOKE WAY NORTHFIELD, OH 44067 | AFLAC | $13 | — | $13 | 0.06% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S. DICKINSON | PO BOX 360559 STRONGSVILLE, OH 44136 | AFLAC | $9 | — | $9 | 0.04% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | 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 | 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 Filed as: LISA M CUNNINGHAM | 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 | — | $60K |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 101 | $388K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 203 | $110K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 203 | $110K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 203 | $110K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 203 | $133K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL | 101 | $388K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 203 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.