| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INDEMNITY GROUP LLC3 Filed as: INDEMNITY GROUP LCC | 3628 WALNUT HILLS RD. #200 ORANGE VILLAGE, OH 44122 | ANTHEM LIFE INSURANCE COMPANY | $8K | — | $8K | 12.77% |
| THE INDEMNITY GROUP LLC3 | 3628 WALNUT HILLS RD. #200 ORANGE VILLAGE, OH 44122 | GUARDIAN | $5K | — | $5K | 8.79% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD. BEACHWOOD, OH 44122 | GUARDIAN | $6 | — | $6 | 0.01% |
| MICHAEL YOST3 | PO BOX 14218 POLAND, OH 44514 | ALLSTATE | $2K | — | $2K | 4.86% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | ALLSTATE | $817 | — | $817 | 2.53% |
| BARRETT BENEFITS GROUP3 Filed as: BARRETT BENEFITS GROUP INC. | 3628 WALNUT HILLS STE 200 ORANGE VILLAGE, OH 44122 | ALLSTATE | $731 | — | $731 | 2.27% |
| JASON DURICA3 | 3018 STATE ROAD 5 CORTLAND, OH 44410 | ALLSTATE | $379 | — | $379 | 1.17% |
| ANDREA LYNN MONTACALVO3 | 3338 DRAPER AVE SE WARREN, OH 44484 | ALLSTATE | $353 | — | $353 | 1.09% |
| BRIAN WEIGEL3 | 9185 TOLLER DRIVE OLMSTED TWP, OH 44138 | ALLSTATE | $72 | — | $72 | 0.22% |
| BRENDEN PAUL MOSTOLLER3 | 504 PEFFER AVENUE NILES, OH 44446 | ALLSTATE | $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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 100 | $62K |
| Vision | GUARDIAN | 100 | $62K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 137 | $65K |
| Short-term disability | ALLSTATE | 48 | $32K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 137 | $65K |
| Other | ALLSTATE | 48 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.