| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | COMMUNITY INSURANCE COMPANY | $42K | $0 | $42K | 3.15% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $2K | $0 | $2K | 0.15% |
| BENEFITS NETWORK INSURANCE AGENCY3 Filed as: BENEFITS NETWORK INS AGENCY INC | 4555 LAKE FOREST DR SUITE 510 CINCINNATI, OH 45242 | COMMUNITY INSURANCE COMPANY | $0 | $200 | $200 | 0.02% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $5K | $10K | 22.11% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $861 | $861 | 2.00% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 21.94% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $833 | $833 | 4.00% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $855 | $3K | 22.02% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $487 | $487 | 4.00% |
| LEONARD INS SVCS AGCY INC3 Filed as: LEONARD INS SERVICES AGENCY INC | 4244 MOUNT PLEASANT STREET NW NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $259 | $0 | $259 | 2.76% |
| MICHAEL FINLEY3 Filed as: MICHAEL DAVID FINLEY | 907 EAST FRONT STREET DOVER, OH 44622 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $249 | — | $249 | 2.66% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $190 | $0 | $190 | 2.03% |
| CATHY S STEINMETZ3 | 4674 RIVERDALE RD BOLIVAR, OH 44612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | $0 | $154 | 1.64% |
| MICHAEL W BERUBE3 | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $132 | $0 | $132 | 1.41% |
| MARK L HUFHAND3 | 925 S MAIN ST. NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | $0 | $86 | 0.92% |
| MICHAEL T HARWOOD3 | PO BOX 1 APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | $0 | $75 | 0.80% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | $0 | $75 | 0.80% |
| MICHAEL C HURLEY3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.12% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $606 | $523 | $1K | 14.89% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $152 | $152 | 2.01% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $710 | $339 | $1K | 22.17% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $189 | $189 | 3.99% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $125 | $0 | $125 | 59.81% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 280 | $1.3M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $43K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 67 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $12K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 28 | $5K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.