| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | COMMUNITY INSURANCE COMPANY | $52K | $21K | $72K | 1.74% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 9.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.31% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $434 | — | $434 | 1.57% |
| CONNECTIONS INSURANCE LLC3 | 2701 TULIP HILL ROAD PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.22% |
| ARMIN G LEONHARDT3 Filed as: ARMIN LEONHARDT | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.06% |
| PROTEK BUSINESS MANAGEMENT3 Filed as: PROTEK BUSINESS MANAGEMENT INC. | 5665 NICKLAUS LANE MILTON, FL 32570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| ERICA LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | 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 | $1K | — | $1K | 5.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $878 | — | $878 | 3.94% |
| CONNECTIONS INSURANCE LLC3 | 2701 TULIP HILL ROAD PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | — | $133 | 0.60% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.20% |
| 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% |
| CONNECTIONS INSURANCE LLC3 | 2701 TULIP HILL ROAD PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.14% |
| PROTEK BUSINESS MANAGEMENT3 Filed as: PROTEK BUSINESS MANAGEMENT INC. | 5665 NICKLAUS LANE MILTON, FL 32570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $242 | — | $242 | 1.12% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $219 | — | $219 | 1.02% |
| BUILDING BENEFITS LLC3 | 136 LATOURETTE STREET MARION, OH 43302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $190 | — | $190 | 0.88% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.27% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.07% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| CONNECTIONS INSURANCE LLC3 | 2701 TULIP HILL ROAD PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | — | $140 | 1.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 0.49% |
| PROTEK BUSINESS MANAGEMENT3 Filed as: PROTEK BUSINESS MANAGEMENT INC. | 5665 NICKLAUS LANE MILTON, FL 32570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.38% |
| BUILDING BENEFITS LLC3 | 136 LATOURETTE ST MAION, OH 43302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.34% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 14.44% |
| CONNECTIONS INSURANCE LLC3 | 2701 TULIP HILL ROAD PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $419 | — | $419 | 6.05% |
| BUILDING BENEFITS LLC3 | 136 LATOURETTE STREET MARION, OH 43302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $130 | — | $130 | 1.88% |
| PROTEK BUSINESS MANAGEMENT3 Filed as: PROTEK BUSINESS MANAGEMENT INC. | 5665 NICKLAUS LANE MILTON, FL 32570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | — | $93 | 1.34% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 610 | $4.1M |
| Dental | COMMUNITY INSURANCE COMPANY | 610 | $4.1M |
| Vision | COMMUNITY INSURANCE COMPANY | 610 | $4.1M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 463 | $188K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 463 | $199K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 463 | $178K |
| Other(5 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 463 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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.
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.