| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIGMA II INS AGENCY3 Filed as: SIGMA II INSURANCE AGENCY INC | 4600 ROCKSIDE ROAD SUITE 200 INDEPENDENCE, OH 44131 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $368 | $33K | 3.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4600 ROCKSIDE ROAD SUITE 200 INDEPENDENCE, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $7K | $18K | 15.53% |
| HUMPHREY STUMP & HAYNIE INS AGENCY3 Filed as: S HUMPHREY | 6559 RIVER ROAD MADISON, OH 44057 | AFLAC | $4K | $140 | $4K | 11.17% |
| RICO PEREZ3 | 6000 LOMBARDO CENTER SUITE 145 SEVEN HILLS, OH 44131 | AFLAC | $574 | $28 | $602 | 1.75% |
| CRP BENEFIT SERVICES INC3 | 6000 LOMBARDO CENTER SUITE 145 SEVEN HILLS, OH 44131 | AFLAC | $306 | $28 | $334 | 0.97% |
| BRYAN HUMPHREY3 | 5974 GAREAU DRIVE NORTH OLMSTED, OH 44070 | AFLAC | $230 | $0 | $230 | 0.67% |
| MARK K WHEELER3 | 773 SANDUSKY STREET CONNEAUT, OH 44030 | AFLAC | $182 | $0 | $182 | 0.53% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $177 | $0 | $177 | 0.52% |
| HARE AND ASSOCIATES LLC3 | 6324 TARTON FIELDS LANE MASON, OH 45040 | AFLAC | $98 | $28 | $126 | 0.37% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 3199 SIOUX CONIFER ROAD WATERTOWN, SD 57201 | AFLAC | $98 | $0 | $98 | 0.29% |
| BRIAN TODD KAUFFMAN3 Filed as: BRIAN KAUFFMAN | 315 GREEN RIDGE ROAD SUITE H-1 NEW CASTLE, PA 16105 | AFLAC | $68 | $0 | $68 | 0.20% |
| ANGELA MEEKS3 | 4783 OVERLOOK DRIVE GENEVA, OH 44041 | AFLAC | $52 | $0 | $52 | 0.15% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $51 | $0 | $51 | 0.15% |
| LINDA STARR3 | 2228 CHAPEL ROAD JEFFERSON, OH 44047 | AFLAC | $27 | $0 | $27 | 0.08% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $26 | $0 | $26 | 0.08% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $24 | $0 | $24 | 0.07% |
| LEON KOKAL3 | 10478 TOLLAND DRIVE AURORA, OH 44202 | AFLAC | $12 | $0 | $12 | 0.03% |
No Schedule C service providers reported on this filing.
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 153 | $890K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $114K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $114K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $114K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $114K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.