| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS NETWORK INSURANCE AGENCY3 | 4555 LAKE FOREST DR CINCINNATI, OH 45242 | COMMUNITY INSURANCE COMPANY | $0 | $3K | $3K | 0.18% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH DEERFIELD, IL 60015 | COMMUNITY INSURANCE COMPANY | $0 | $139 | $139 | 0.01% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | ANTHEM LIFE INSURANCE COMPANY | $16K | $5K | $20K | 12.48% |
| BENEFITS NETWORK INSURANCE AGENCY3 | 4555 LAKE FOREST DR SUITE 510 CINCINNATI, OH 45242 | ANTHEM LIFE INSURANCE COMPANY | $0 | $7K | $7K | 4.25% |
| ONE80 INTERMEDIARIES INC3 | 4555 LAKE FOREST DR SUITE 510 CINCINNATI, OH 45242 | ANTHEM LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.75% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60062 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.05% |
| MICHAEL T HARWOOD3 Filed as: MICHAEL HARWOOD | 36 SHANNON DR APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.37% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.44% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE | 6155 PARK SQUARE DR SUITE 7 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.46% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.45% |
| DAVID MICHAEL FINLEY3 | 907 EAST FRONT ST DOVER, OH 44622 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.28% |
| LEONARD INSURANCE SERVICES AGENCY3 | 4244 MOUNT PLEASANT ST NW NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.27% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 20046 WALKER RD #5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.23% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.16% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 926 S MAIN ST NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.15% |
| MICHAEL W BERUBE3 Filed as: MICHAEL BERUBE | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.13% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 139 MARKET AVE NW HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| CATHY S STEINMETZ3 Filed as: CATHY STEINMETZ | 4674 RIVERDALE RD BOLIVAR, OH 44612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.06% |
| MICHAEL C HURLEY3 Filed as: MICHAEL HURLEY | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 299 | $1.5M |
| Dental | COMMUNITY INSURANCE COMPANY | 299 | $1.5M |
| Vision | VISION SERVICE PLAN | 140 | $14K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 198 | $164K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 198 | $164K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 198 | $164K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 198 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.