| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICE5 | PO BOX 5700 CLEVELAND, OH 44101 | ROUNDSTONE | — | $36K | $36K | 13.34% |
| EMPLOYEE BENEFITS LLC3 Filed as: EMPLOYEE BENEFITS | 4700 ROCKSIDE RD INDEPENDENCE, OH 44131 | ROUNDSTONE | $9K | $4K | $13K | 4.68% |
| ADVANTAGE CONSULTANTS AGENCY INC3 Filed as: ADVANTAGE CONSULTANTS AGENCY INC. | 215 WEST GARFIELD RD SUITE 250 AURORA, OH 44202 | DEARBORN NATIONAL LIFE INSURANCE CO | $8K | $115 | $8K | 9.85% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 440 POLARIS PKWY WESTERVILLE, OH 44503 | DEARBORN NATIONAL LIFE INSURANCE CO | — | $1K | $1K | 1.31% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 6690 BETA DR #120 MAYFIELD VILLAGE MAYFIELD VILLAGE, OH 44143 | GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 14.25% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD SUITE 200 BEACHWOOD, OH 44122 | GUARDIAN LIFE INSURANCE COMPANY | $27 | — | $27 | 0.07% |
| BENEFIT ENROLLMENT SVCS INC3 Filed as: BENEFIT ENROLLMENT SVCS INC. | 8180 BRECKSVILLE RD #203 BRECKSVILLE, OH 44141 | AMERICAN HERITAGE LIFE | $651 | — | $651 | 10.25% |
| ADVANTAGE CONSULTANTS AGENCY INC3 Filed as: ADVANTAGE CONSULTANTS AGCY INC. | 215 W GARFIELD RD. SUITE 260 AURORA, OH 442026522 | AMERICAN HERITAGE LIFE | $152 | — | $152 | 2.39% |
| DONNA TROXELL3 | PO BOX 882 CANONSBURG, PA 15317 | AMERICAN HERITAGE LIFE | $30 | — | $30 | 0.47% |
| ADVANTAGE CONSULTANTS AGENCY INC3 Filed as: ADVANTAGE CONSULTANTS AGENCY INC. | 215 WEST GARFIELD RD. SUITE 250 AURORA, OH 44202 | UDC OF OHIO, INC. | $274 | — | $274 | 9.99% |
| BENEFIT ENROLLMENT SVCS INC3 Filed as: BENEFIT ENROLLMENT CENTER | 8180 BRECKSVILLE ROAD #203 BRECKSVILLE, OH 44141 | AMERICAN HERITAGE LIFE | $14 | — | $14 | 2.19% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 W GARFIELD ROAD AURORA, OH 442026522 | AMERICAN HERITAGE LIFE | $5 | — | $5 | 0.78% |
| DONNA I TROXELL3 | PO BOX 882 CANONSBURG, PA 15317 | AMERICAN HERITAGE LIFE | $1 | — | $1 | 0.16% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE | 9 | $6K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 55 | $40K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 55 | $38K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE CO | 191 | $80K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE CO | 191 | $80K |
| Stop-loss / reinsurancereinsurance | ROUNDSTONE | 80 | $271K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE CO | 191 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.