| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH DEERFIELD, IL 60015 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATE | $10K | — | $10K | 9.87% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 13.88% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.85% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 13.99% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.87% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 14.10% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $709 | $709 | 1.88% |
| M H ADVISORS INC3 | 36 SHANNON DR APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 17.11% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.39% |
| COVEY RUN INSURANCE LLC3 | 6155 PARK SQUARE DR SUITE 7 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | $0 | $118 | 0.74% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | $0 | $89 | 0.56% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 20046 WALKER ROAD #5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | $0 | $67 | 0.42% |
| MARK L HUFHAND3 Filed as: MARK HUFHAND | 1664 N MAIN ST SUITE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.10% |
| LEONARD INS SVCS AGCY INC3 Filed as: LEONARD INS SERVICES AGENCY | 4344 MOUNT PLEASANT ST NW NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.09% |
| MICHAEL FINLEY3 Filed as: MICHAEL DAVID FINLEY | 907 EAT FRONT ST DOVER, OH 44622 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.06% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INS LLC | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.05% |
| MICHAEL W BERUBE3 Filed as: MICHAEL BERUBIE | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.05% |
| CATHY S STEINMETZ3 Filed as: CATHY STEINMETZ | 4674 RIVERDALE RD BOLIVAR, OH 44612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.04% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60062 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.04% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $810 | $0 | $810 | 14.12% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $108 | $108 | 1.88% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATE | 153 | $99K |
| Vision | VISION SERVICE PLAN | 142 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $56K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 150 | $38K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 188 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.