| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | COMMUNITY INSURANCE COMPANY | $41K | $0 | $41K | 2.85% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $9K | $369 | $9K | 10.24% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $8K | $448 | $9K | 15.86% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $7K | $390 | $8K | 15.60% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $6K | $341 | $7K | 15.66% |
| MICHAEL T HARWOOD3 | PO BOX 1 APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.18% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.47% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $187 | $0 | $187 | 1.16% |
| LEONARD INSURANCE SERVICES AGENCY3 | 4244 MOUNT PLEASANT ST NW NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | $0 | $112 | 0.70% |
| DAVID MICHAEL FINLEY3 | 907 EAST FRONT ST DOVER, OH 44622 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | $0 | $109 | 0.68% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 925 S MAIN ST NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | $0 | $87 | 0.54% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | $0 | $68 | 0.42% |
| MICHAEL W BERUBE3 Filed as: MICHAEL BERUBE | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | $0 | $58 | 0.36% |
| BOSTON THOMAS W3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | $0 | $40 | 0.25% |
| CATHY S STEINMETZ3 | 4674 RIVERDALE RD BOLIVAR, OH 44612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | $0 | $32 | 0.20% |
| MICHAEL C HURLEY3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.08% |
| MICHAEL T HARWOOD3 Filed as: MICHAEL T HARTWOOD | 36 SHANNON DR APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $230 | $0 | $230 | 25.36% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $185 | $0 | $185 | 20.40% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.88% |
| BOSTON THOMAS W3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.44% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 248 | $1.4M |
| Dental | STANDARD INSURANCE COMPANY | 160 | $92K |
| Vision | VISION SERVICE PLAN | 148 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 176 | $55K |
| Short-term disability | STANDARD INSURANCE COMPANY | 119 | $49K |
| Long-term disability | STANDARD INSURANCE COMPANY | 143 | $43K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 24 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.