| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICE5 | PO BOX 5700 CLEVELAND, OH 44101 | ROUNDSTONE | — | $34K | $34K | 12.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NATIONAL FINANCIAL PARTNERS | 340 MADISON AVE NEW YORK, NY 10173 | ROUNDSTONE | $9K | — | $9K | 3.34% |
| ADVANTAGE CONSULTANTS AGENCY INC3 Filed as: ADVANTAGE CONSULTANTS AGENCY INC. | 215 WEST GARFIELD RD SUITE 250 AURORA, OH 44202 | DEARBORN NATIONAL LIFE INSURANCE CO | $7K | — | $7K | 9.77% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD STREET 7TH FL COLUMBUS, OH 43215 | DEARBORN NATIONAL LIFE INSURANCE CO | — | $958 | $958 | 1.30% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 6690 BETA DR #120 MAYFIELD VILLAGE, OH 44143 | GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.64% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD SUITE 200 BEACHWOOD, OH 44122 | GUARDIAN LIFE INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BENEFIT ENROLLMENT SVCS INC3 | 8180 BRECKSVILLE RD #203 BRECKSVILLE, OH 44141 | AMERICAN HERITAGE LIFE | $477 | — | $477 | 10.20% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 W GARFIELD RD SUITE 260 AURORA, OH 442026522 | AMERICAN HERITAGE LIFE | $98 | — | $98 | 2.10% |
| DONNA I TROXELL3 | PO BOX 882 CANONSBURG, PA 15317 | AMERICAN HERITAGE LIFE | $20 | — | $20 | 0.43% |
| ADVANTAGE CONSULTANTS AGENCY INC3 Filed as: ADVANTAGE CONSULTANTS AGENCY INC. | 215 WEST GARFIELD RD. SUITE 250 AURORA, OH 44202 | UDC OF OHIO, INC. | $222 | — | $222 | 10.01% |
| BENEFIT ENROLLMENT SVCS INC3 Filed as: BENEFIT ENROLLMENT CENTER | 8180 BRECKSVILLE ROAD #203 BRECKSVILLE, OH 44141 | AMERICAN HERITAGE LIFE | $53 | — | $53 | 9.96% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 W GARFIELD ROAD AURORA, OH 442026522 | AMERICAN HERITAGE LIFE | $19 | — | $19 | 3.57% |
| DONNA I TROXELL3 | PO BOX 882 CANONSBURG, PA 15317 | AMERICAN HERITAGE LIFE | $4 | — | $4 | 0.75% |
| BENEFIT ENROLLMENT SVCS INC3 | 8180 BRECKSVILLE RD #203 BRECKSVILLE, OH 44141 | AMERICAN HERITAGE LIFE | $52 | — | $52 | 11.90% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 W GARFIELD RD AURORA, OH 442026522 | AMERICAN HERITAGE LIFE | $17 | — | $17 | 3.89% |
| DONNA I TROXELL3 | PO BOX 882 CANONSBURG, PA 15317 | AMERICAN HERITAGE LIFE | $3 | — | $3 | 0.69% |
| BENEFIT ENROLLMENT SVCS INC3 | 8180 BRECKSVILLE RD BRECKSVILLE, OH 44141 | AMERICAN HERITAGE LIFE | $6 | — | $6 | 2.26% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 W GARFIELD RD AURORA, OH 442026522 | AMERICAN HERITAGE LIFE | $2 | — | $2 | 0.75% |
| DONNA I TROXELL3 | PO BOX 882 CANONSBURG, PA 15317 | AMERICAN HERITAGE LIFE | $1 | — | $1 | 0.38% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 56 | $37K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 56 | $35K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE CO | 191 | $74K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE CO | 191 | $79K |
| Stop-loss / reinsurancereinsurance | ROUNDSTONE | 78 | $277K |
| Other(4 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE CO | 191 | $75K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.