| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICE5 | PO BOX 5700 CLEVELAND, OH 44101 | ROUNDSTONE | $0 | $41K | $41K | 9.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NATIONAL FINANCIAL PARTNERS | 340 MADISON AVE NEW YORK, NY 10173 | ROUNDSTONE | $10K | — | $10K | 2.43% |
| 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 | — | $8K | 9.94% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD STREET 7TH FL COLUMBUS, OH 43215 | DEARBORN NATIONAL LIFE INSURANCE CO | $0 | $1K | $1K | 1.30% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 6690 BETA DR #120 MAYFIELD VILLAGE, OH 44143 | GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.39% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN LIFE INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| BENEFIT ENROLLMENT SVCS INC3 | 8180 BRECKSVILLE RD #203 BRECKSVILLE, OH 44141 | AMERICAN HERITAGE LIFE | $540 | — | $540 | 9.49% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 W GARFIELD RD SUITE 260 AURORA, OH 442026522 | AMERICAN HERITAGE LIFE | $146 | — | $146 | 2.57% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE | $136 | — | $136 | 2.39% |
| LAURA HUDOCK3 | 2415 ASHDALE DR TWINSBURG, OH 44087 | AMERICAN HERITAGE LIFE | $30 | — | $30 | 0.53% |
| DONNA I TROXELL3 | PO BOX 882 CANONSBURG, PA 15317 | AMERICAN HERITAGE LIFE | $20 | — | $20 | 0.35% |
| THOMAS W BOSTON3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE | $12 | — | $12 | 0.21% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE | $596 | — | $596 | 15.67% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 WEST GARFIELD ROAD AURORA, OH 44202 | AMERICAN HERITAGE LIFE | $194 | — | $194 | 5.10% |
| LAURA HUDOCK3 | 2415 ASHDALE DR TWINSBURG, OH 44087 | AMERICAN HERITAGE LIFE | $132 | — | $132 | 3.47% |
| THOMAS W BOSTON3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE | $76 | — | $76 | 2.00% |
| BENEFIT ENROLLMENT SVCS INC3 | 8180 BRECKSVILLE RD #203 BRECKSVILLE, OH 44141 | AMERICAN HERITAGE LIFE | $48 | — | $48 | 1.26% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 W GARFIELD RD AURORA, OH 442026522 | AMERICAN HERITAGE LIFE | $17 | — | $17 | 0.45% |
| DONNA I TROXELL3 | PO BOX 882 CANONSBURG, PA 15317 | AMERICAN HERITAGE LIFE | $4 | — | $4 | 0.11% |
| ADVANTAGE CONSULTANTS AGENCY INC3 Filed as: ADVANTAGE CONSULTANTS AGENCY INC. | 215 WEST GARFIELD RD. SUITE 250 AURORA, OH 44202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $308 | — | $308 | 10.46% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DR SOLON, OH 44139 | AMERICAN HERITAGE LIFE | $723 | — | $723 | 29.26% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 WEST GARFIELD RD AURORA, OH 44202 | AMERICAN HERITAGE LIFE | $222 | — | $222 | 8.98% |
| LAURA HUDOCK3 | 2415 ASHDALE DR TWINSBURG, OH 44087 | AMERICAN HERITAGE LIFE | $161 | — | $161 | 6.52% |
| THOMAS W BOSTON3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE | $55 | — | $55 | 2.23% |
| BENEFIT ENROLLMENT SVCS INC3 Filed as: BENEFIT ENROLLMENT CENTER | 8180 BRECKSVILLE ROAD #203 BRECKSVILLE, OH 44141 | AMERICAN HERITAGE LIFE | $66 | — | $66 | 11.85% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 W GARFIELD ROAD AURORA, OH 442026522 | AMERICAN HERITAGE LIFE | $22 | — | $22 | 3.95% |
| DONNA I TROXELL3 | PO BOX 882 CANONSBURG, PA 15317 | AMERICAN HERITAGE LIFE | $3 | — | $3 | 0.54% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DR SOLON, OH 44139 | AMERICAN HERITAGE LIFE | $66 | — | $66 | 31.73% |
| LAURA HUDOCK3 | 2415 ASHDALE DR TWINSBURG, OH 44087 | AMERICAN HERITAGE LIFE | $15 | — | $15 | 7.21% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 W GARFIELD RD AURORA, OH 442026522 | AMERICAN HERITAGE LIFE | $12 | — | $12 | 5.77% |
| THOMAS W BOSTON3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE | $5 | — | $5 | 2.40% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 62 | $42K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 62 | $39K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE CO | 193 | $77K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE CO | 193 | $82K |
| Stop-loss / reinsurancereinsurance | ROUNDSTONE | 88 | $422K |
| Other(5 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE CO | 193 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.