| 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 | $47K | $2K | $49K | 1.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 7.70% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PKWY, STE 450 COLUMBUS, OH 43240 | SYMETRA LIFE INSURANCE COMPANY | $22K | — | $22K | 27.84% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 5450 FRANTZ RD, STE 300 DUBLIN, OH 43016 | SYMETRA LIFE INSURANCE COMPANY | $22K | — | $22K | 27.84% |
| CONNECTIONS INSURANCE LLC3 | 2701 TULIP HILL ROAD PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $487 | — | $487 | 6.40% |
| PROTEK BUSINESS MANAGEMENT3 Filed as: PROTEK BUSINESS MANAGEMENT INC. | 5665 NICKLAUS LANE MILTON, FL 32570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 1.25% |
| BUILDING BENEFITS LLC3 | 136 LATOURETTE STREET MARION, OH 43302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 0.88% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.20% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.09% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $324 | — | $324 | 4.30% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.65% |
| CONNECTIONS INSURANCE LLC3 | 2701 TULIP HILL ROAD PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.19% |
| PROTEK BUSINESS MANAGEMENT3 Filed as: PROTEK BUSINESS MANAGEMENT INC. | 5665 NICKLAUS LANE MILTON, FL 32570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| ARMIN G LEONHARDT3 Filed as: ARMIN LEONHARDT | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ERICA LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $213 | — | $213 | 3.45% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $212 | — | $212 | 3.43% |
| CONNECTIONS INSURANCE LLC3 | 2701 TULIP HILL ROAD PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 0.81% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.18% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $654 | — | $654 | 16.04% |
| CONNECTIONS INSURANCE LLC3 | 2701 TULIP HILL ROAD PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 1.49% |
| PROTEK BUSINESS MANAGEMENT3 Filed as: PROTEK BUSINESS MANAGEMENT INC. | 5665 NICKLAUS LANE MILTON, FL 32570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.44% |
| BUILDING BENEFITS LLC3 | 136 LATOURETTE ST MAION, OH 43302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.30% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| CONNECTIONS INSURANCE LLC3 | 2701 TULIP HILL ROAD PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $153 | — | $153 | 7.43% |
| BUILDING BENEFITS LLC3 | 136 LATOURETTE STREET MARION, OH 43302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 1.94% |
| PROTEK BUSINESS MANAGEMENT3 Filed as: PROTEK BUSINESS MANAGEMENT INC. | 5665 NICKLAUS LANE MILTON, FL 32570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 1.89% |
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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 522 | $3.2M |
| Dental | COMMUNITY INSURANCE COMPANY | 522 | $3.2M |
| Vision | COMMUNITY INSURANCE COMPANY | 522 | $3.2M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 232 | $213K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 232 | $217K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 232 | $209K |
| Other(6 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 685 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 685 | — |
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.