| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVE., STE 1300 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 8.05% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INS LTD | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 27.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.44% |
| TAYLOR JAMALICA3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $771 | — | $771 | 3.35% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $327 | — | $327 | 1.42% |
| BOSTON THOMAS W3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $270 | — | $270 | 1.17% |
| HUFHAND MARK L3 | 925 S MAIN ST NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147 | — | $147 | 0.64% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $142 | — | $142 | 0.62% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 191 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 191 | $2.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 191 | $2.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $136K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $136K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.