| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST STE 700 COLUMBUS, OH 43215 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $31K | $31K | 2.49% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 S CHURCH ST BOWLING GREEN, OH 43402 | DELTA DENTAL OF OHIO | $3K | $224 | $3K | 5.11% |
| YANKE RICHARD3 | 5016 BARLOW DRIVE BRUNSWICK, OH 44212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 39.33% |
| ERIC JOHN POLLOCK3 | 589 JESSICA LANE WADSWORTH, OH 44281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.48% |
| JAMIE A BAIL3 | 291 SILVER MEADOW WADSWORTH, OH 44281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.42% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.36% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $212 | $4K | 11.10% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 S. CHURCH STREET BOWLING GREEN, OH 43402 | EYEMED VISION CARE | $1K | — | $1K | 10.04% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | OSWALD CENTRE CLEVELAND, OH 44114 | EYEMED VISION CARE | $286 | — | $286 | 2.54% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $1K | $72 | $1K | 11.91% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $1.3M |
| Dental | DELTA DENTAL OF OHIO | 209 | $62K |
| Vision | EYEMED VISION CARE | 170 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 149 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $32K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 149 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.