| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 4700 ROCKSIDE RD STE 540 INDEPENDENCE, OH 44141 | MEDICAL MUTUAL | $10K | $14K | $25K | 2.55% |
| 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 | 8.98% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD STREET 7TH FL COLUMBUS, OH 43215 | DEARBORN NATIONAL LIFE INSURANCE CO | — | $1K | $1K | 1.37% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 6690 BETA DR #120 MAYFIELD VILLAGE, OH 44143 | GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.25% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN LIFE INSURANCE COMPANY | $15 | — | $15 | 0.04% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE ACCIDENT | $447 | — | $447 | 8.85% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 WEST GARFIELD ROAD AURORA, OH 44202 | AMERICAN HERITAGE LIFE ACCIDENT | $296 | — | $296 | 5.86% |
| LAURA HUDOCK3 | 2415 ASHDALE DR TWINSBURG, OH 44087 | AMERICAN HERITAGE LIFE ACCIDENT | $98 | — | $98 | 1.94% |
| THOMAS W BOSTON3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE ACCIDENT | $56 | — | $56 | 1.11% |
| BENEFIT ENROLLMENT SVCS INC3 | 8180 BRECKSVILLE RD #203 BRECKSVILLE, OH 44141 | AMERICAN HERITAGE LIFE LTD | $175 | — | $175 | 4.42% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE LTD | $93 | — | $93 | 2.35% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 W GARFIELD RD SUITE 260 AURORA, OH 442026522 | AMERICAN HERITAGE LIFE LTD | $66 | — | $66 | 1.67% |
| LAURA HUDOCK3 | 2415 ASHDALE DR TWINSBURG, OH 44087 | AMERICAN HERITAGE LIFE LTD | $21 | — | $21 | 0.53% |
| DONNA I TROXELL3 | PO BOX 882 CANONSBURG, PA 15317 | AMERICAN HERITAGE LIFE LTD | $11 | — | $11 | 0.28% |
| THOMAS W BOSTON3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE LTD | $11 | — | $11 | 0.28% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DR SOLON, OH 44139 | AMERICAN HERITAGE LIFE CRITICAL ILLNESS | $579 | — | $579 | 16.43% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 WEST GARFIELD RD AURORA, OH 44202 | AMERICAN HERITAGE LIFE CRITICAL ILLNESS | $317 | — | $317 | 9.00% |
| LAURA HUDOCK3 | 2415 ASHDALE DR TWINSBURG, OH 44087 | AMERICAN HERITAGE LIFE CRITICAL ILLNESS | $129 | — | $129 | 3.66% |
| THOMAS W BOSTON3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE CRITICAL ILLNESS | $46 | — | $46 | 1.31% |
| 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 | $311 | — | $311 | 9.59% |
| BENEFIT ENROLLMENT SVCS INC3 Filed as: BENEFIT ENROLLMENT CENTER | 8180 BRECKSVILLE ROAD #203 BRECKSVILLE, OH 44141 | AMERICAN HERITAGE LIFE CANCER | $57 | — | $57 | 11.95% |
| DONNA I TROXELL3 | PO BOX 882 CANONSBURG, PA 15317 | AMERICAN HERITAGE LIFE CANCER | $3 | — | $3 | 0.63% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DR SOLON, OH 44139 | AMERICAN HERITAGE LIFE UNIVERSAL LIFE | $35 | — | $35 | 11.22% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 W GARFIELD RD AURORA, OH 442026522 | AMERICAN HERITAGE LIFE UNIVERSAL LIFE | $18 | — | $18 | 5.77% |
| LAURA HUDOCK3 | 2415 ASHDALE DR TWINSBURG, OH 44087 | AMERICAN HERITAGE LIFE UNIVERSAL LIFE | $8 | — | $8 | 2.56% |
| THOMAS W BOSTON3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE UNIVERSAL LIFE | $3 | — | $3 | 0.96% |
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 | 86 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 86 | $973K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 65 | $44K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 65 | $41K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE CO | 192 | $75K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE CO | 192 | $79K |
| Prescription drug | MEDICAL MUTUAL | 86 | $973K |
| Other(5 contracts, 5 carriers) | DEARBORN NATIONAL LIFE INSURANCE CO | 192 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.