| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 41 S HIGH ST 6TH FLOOR COLUMBUS, OH 43215 | CIGNA HEALTH AND LIFE INSURANCE CO | $5K | — | $5K | 9.82% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH STREET COLUMBUS, OH 43215 | HARTFORD LIFE AND ACCIDENT | $5K | $2K | $8K | 16.52% |
| STEALTH PARTNER GROUP LLC3 | PO BOX 949572 ATLANTA, GA 30394 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 5.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 S. CHURCH STREET BOWLING GREEN, OH 43402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $810 | — | $810 | 9.22% |
| YANKE RICHARD3 | 5016 BARLOW DRIVE BRUNSWICK, OH 44212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 12.80% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 20046 WALKER ROAD #5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 1.13% |
| JAMIE A BAIL3 | 291 SILVER MEADOW WADSWORTH, OH 44281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.66% |
| YANKE RICHARD3 | 5016 BARLOW DRIVE BRUNSWICK, OH 44212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | — | $103 | 2.81% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 20046 WALKER ROAD #5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.71% |
| JAMIE A BAIL3 Filed as: JAMIE BAIL | 291 SILVER MEADOW WADSWORTH, OH 44281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.35% |
| YANKE RICHARD3 | 5016 BARLOW DRIVE BRUNSWICK, OH 44212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 2.29% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 20046 WALKER ROAD #5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.53% |
| YANKE RICHARD3 | 5016 BARLOW DRIVE BRUNSWICK, OH 44212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $160 | — | $160 | 8.14% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 20046 WALKER RD #5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 1.02% |
| JAIME A BAIL3 | 291 SILVER MEADOW WADSWORTH, OH 44281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.86% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO | 101 | $50K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 138 | $9K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 130 | $52K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 130 | $47K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 130 | $47K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 130 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.