| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $54K | $54K | 1.06% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 11.68% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 16.31% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $567 | — | $567 | 2.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $502 | — | $502 | 1.84% |
| CONNECTIONS INSURANCE LLC3 | 2701 TULIP HILL ROAD PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 0.26% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.07% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| PROTEK BUSINESS MANAGEMENT3 Filed as: PROTEK BUSINESS MANAGEMENT INC. | 5665 NICKLAUS LANE MILTON, FL 32570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| CONNECTIONS INSURANCE LLC3 | 2701 TULIP HILL ROAD PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $529 | — | $529 | 2.26% |
| PROTEK BUSINESS MANAGEMENT3 Filed as: PROTEK BUSINESS MANAGEMENT INC. | 5665 NICKLAUS LANE MILTON, FL 32570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 0.40% |
| BUILDING BENEFITS LLC3 | 136 LATOURETTE STREET MARION, OH 43302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 0.37% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.19% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.15% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.06% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $578 | — | $578 | 2.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $346 | — | $346 | 1.69% |
| CONNECTIONS INSURANCE LLC3 | 2701 TULIP HILL ROAD PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $261 | — | $261 | 1.28% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.20% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.06% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 15.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $268 | — | $268 | 1.57% |
| CONNECTIONS INSURANCE LLC3 | 2701 TULIP HILL ROAD PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 0.56% |
| BUILDING BENEFITS LLC3 | 136 LATOURETTE STREET MARION, OH 43302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.17% |
| PROTEK BUSINESS MANAGEMENT3 Filed as: PROTEK BUSINESS MANAGEMENT INC. | 5665 NICKLAUS LANE MILTON, FL 32570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.08% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| CONNECTIONS INSURANCE LLC3 | 2701 TULIP HILL ROAD PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $172 | — | $172 | 2.32% |
| BUILDING BENEFITS LLC3 | 136 LATOURETTE STREET MARION, OH 43302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.75% |
| PROTEK BUSINESS MANAGEMENT3 Filed as: PROTEK BUSINESS MANAGEMENT INC. | 5665 NICKLAUS LANE MILTON, FL 32570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.53% |
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 | 484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 518 | $5.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $58K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 553 | $196K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 553 | $208K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 553 | $184K |
| Other(5 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 553 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.