| 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 | $9K | $12K | $21K | 2.57% |
| ADVANTAGE CONSULTANTS AGENCY INC3 Filed as: ADVANTAGE CONSULTANTS AGENCY INC. | 215 WEST GARFIELD RD SUITE 250 AURORA, OH 44202 | DEARBORN NATIONAL LIFE INSURANCE CO | $6K | — | $6K | 9.99% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD STREET 7TH FL COLUMBUS, OH 43215 | DEARBORN NATIONAL LIFE INSURANCE CO | — | $799 | $799 | 1.36% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 6690 BETA DR 120 MAYFIELD VILLAGE, OH 44143 | GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.40% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN LIFE INSURANCE COMPANY | $15 | — | $15 | 0.04% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 WEST GARFIELD ROAD SUITE 250 AURORA, OH 44202 | AMERICAN HERITAGE LIFE ACCIDENT | $284 | — | $284 | 5.87% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE ACCIDENT | $181 | — | $181 | 3.74% |
| LAURA HUDOCK3 | 2415 ASHDALE DR TWINSBURG, OH 44087 | AMERICAN HERITAGE LIFE ACCIDENT | $39 | — | $39 | 0.81% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE ACCIDENT | $17 | — | $17 | 0.35% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DR SOLON, OH 44139 | AMERICAN HERITAGE LIFE CRITICAL ILLNESS | $468 | — | $468 | 10.50% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 WEST GARFIELD RD AURORA, OH 44202 | AMERICAN HERITAGE LIFE CRITICAL ILLNESS | $401 | — | $401 | 9.00% |
| LAURA HUDOCK3 | 2415 ASHDALE DR TWINSBURG, OH 44087 | AMERICAN HERITAGE LIFE CRITICAL ILLNESS | $104 | — | $104 | 2.33% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE CRITICAL ILLNESS | $40 | — | $40 | 0.90% |
| ADVANTAGE CONSULTANTS AGENCY INC3 | 215 W GARFIELD RD SUITE 250 AURORA, OH 442026522 | AMERICAN HERITAGE LIFE LTD | $116 | — | $116 | 3.44% |
| EUGENE HUDOCK3 | 36380 CHURCHILL DRIVE SOLON, OH 44139 | AMERICAN HERITAGE LIFE LTD | $92 | — | $92 | 2.73% |
| BENEFIT ENROLLMENT SVCS INC3 | 30628 DETROIT RD WESTLAKE, OH 44145 | AMERICAN HERITAGE LIFE LTD | $67 | — | $67 | 1.99% |
| LAURA HUDOCK3 | 2415 ASHDALE DR TWINSBURG, OH 44087 | AMERICAN HERITAGE LIFE LTD | $20 | — | $20 | 0.59% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE LTD | $14 | — | $14 | 0.42% |
| DONNA I TROXELL3 | PO BOX 882 CANONSBURG, PA 15317 | AMERICAN HERITAGE LIFE LTD | $9 | — | $9 | 0.27% |
| 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 | $285 | — | $285 | 9.77% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES | 30628 DETROIT RD 139 WESTLAKE, OH 44145 | AMERICAN HERITAGE LIFE CANCER | $62 | — | $62 | 11.99% |
| DONNA I TROXELL3 | PO BOX 882 CANONSBURG, PA 15317 | AMERICAN HERITAGE LIFE CANCER | $3 | — | $3 | 0.58% |
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 | 92 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 75 | $825K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 62 | $43K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 62 | $40K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE CO | 157 | $59K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE CO | 157 | $62K |
| Prescription drug | MEDICAL MUTUAL | 75 | $825K |
| Other(4 contracts, 4 carriers) | DEARBORN NATIONAL LIFE INSURANCE CO | 157 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
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.