| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | MEDICAL MUTUAL OF OHIO | $26K | $0 | $26K | 4.01% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES | 1422 EUCLID AVENUE, SUITE 510 CLEVELAND, OH 44115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.49% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVENUE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.96% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC | 1422 EUCLID AVENUE, SUITE 510 CLEVELAND, OH 44115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $955 | — | $955 | 2.35% |
| COORDINATION GROUP LLC3 Filed as: COORDINATION GROUP | 1204 GARMAN ROAD AKRON, OH 44313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 10.46% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES | 1422 EUCLID AVENUE, SUITE 510 CLEVELAND, OH 44115 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 10.17% |
| KEVIN WRONA3 | 9740 CEDARWOOD DRIVE NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 5.61% |
| RENEE WRONA3 | 4903 E 94TH STREET GARFIELD HEIGHTS, OH 44125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.02% |
| MARIBETH CHALLENGER3 | 8553 DURHAM DRIVE OLMSTEAD TOWNSHIP, OH 44138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.71% |
| MJ INSURANCE3 Filed as: JAMES SAMS AND VARIOUS AGENTS | 239 FENWAY ROAD COLUMBUS, OH 43214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $751 | $0 | $751 | 1.96% |
| SONNHALTER INSURANCE GROUP LLC3 | 3931 GREENTREE ROAD STOW, OH 44224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $629 | — | $629 | 1.64% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES | 1422 EUCLID AVENUE, SUITE 510 CLEVELAND, OH 44115 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.57% |
| COORDINATION GROUP LLC3 Filed as: COORDINATION GROUP | 13130 W 130TH STREET STRONGSVILLE, OH 44136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.34% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES | 1422 EUCLID AVENUE, SUITE 510 CLEVELAND, OH 44115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $626 | $0 | $626 | 3.60% |
| WRONA RENEE3 | 3521 ELMBROOK DRIVE BROADVIEW HEIGHTS, OH 44115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $311 | $0 | $311 | 1.79% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $277 | $0 | $277 | 1.59% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $159 | $0 | $159 | 0.92% |
| MJ INSURANCE3 Filed as: LAYNE FINANCIAL AND VARIOUS AGENTS | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105 | $0 | $105 | 0.60% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS | 20046 WALKER ROAD, SUITE 5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | $0 | $103 | 0.59% |
| STEVEN M MAZUR3 Filed as: STEVEN MAZUR | 6415 MONMOUTH ROAD CLEVELAND, OH 44129 | AFLAC | $146 | $40 | $186 | 4.78% |
| MJ INSURANCE3 Filed as: MARC HAIRE AND VARIOUS AGENTS | 9885 GREENHAVEN PARKWAY BRECKSVILLE, OH 44141 | AFLAC | $136 | $15 | $151 | 3.88% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES INC | 1422 EUCLID AVENUE, SUITE 510 CLEVELAND, OH 44115 | AFLAC | $126 | $0 | $126 | 3.24% |
| D SCOTT READ3 | 5770 SKYVIEW DRIVE SOLON, OH 44139 | AFLAC | $120 | $0 | $120 | 3.08% |
| STEVEN N MINTZ3 Filed as: STEVEN MINTZ | 12 WINDWARD WAY CHAGRIN FALLS, OH 44023 | AFLAC | $56 | $0 | $56 | 1.44% |
| STEPHEN BRIAN LOMBARDOZZI3 Filed as: STEPHEN LOMBARDOZZI | 5329 GARGASZ DRIVE LORAIN, OH 44053 | AFLAC | $56 | $0 | $56 | 1.44% |
| JESSICA B MAKOWSKI3 Filed as: JESSICA MAKOWSKI | 9463 CHESAPEAKE DRIVE NORTH ROYALTON, OH 44133 | AFLAC | $39 | $9 | $48 | 1.23% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 57 | $676K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $41K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $41K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $79K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $41K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 57 | $659K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.