| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRET BENEFITS GROUP INC.3 | P.O. BOX 46670 BEDFORD, OH 44146 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 8.68% |
| THE INDEMNITY GROUP LLC3 Filed as: INDEMNITY GROUP LCC | 3628 WALNUT HILLS RD. #200 ORANGE VILLAGE, OH 44122 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 5.29% |
| MICHAEL YOST3 | PO BOX 14218 POLAND, OH 44514 | ALLSTATE | $910 | — | $910 | 5.10% |
| BARRETT BENEFITS GROUP3 Filed as: BARRETT BENEFITS GROUP INC. | 3628 WALNUT HILLS STE 200 ORANGE VILLAGE, OH 44122 | ALLSTATE | $570 | — | $570 | 3.20% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | ALLSTATE | $500 | — | $500 | 2.80% |
| ANDREA LYNN MONTACALVO3 | 3338 DRAPER AVE SE WARREN, OH 44484 | ALLSTATE | $235 | — | $235 | 1.32% |
| JASON DURICA3 | 3018 STATE ROAD 5 CORTLAND, OH 44410 | ALLSTATE | $226 | — | $226 | 1.27% |
| BRIAN WEIGEL3 | 9185 TOLLER DRIVE OLMSTED TWP, OH 44138 | ALLSTATE | $41 | — | $41 | 0.23% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 136 | $68K |
| Short-term disability | ALLSTATE | 43 | $18K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 136 | $68K |
| Other | ALLSTATE | 43 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.