| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHAUER GROUP INC3 | 200 MARKET AVE NORTH #100 CANTON, OH 44702 | AULTCARE INSURANCE COMPANY | $67K | — | $67K | 7.23% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 440 POLARIS PKY WESTERVILLE, OH 43082 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 6.84% |
| SCHAUER GROUP INC3 | MILLENIUM CENTER 200 MARKET AVE N STE 100 CANTON, OH 447021435 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.78% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.58% |
| ERIKA M PERRIN3 | 11565 GRENADA CIRCLE NE HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 0.21% |
| KATIE D DUER3 | 2801 S MEDINA LINE RD WADSWORTH, OH 44281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 0.17% |
| MICHAEL T EISEL3 Filed as: MICHAEL T. EISEL | 1318 LOGAN LANE WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 0.15% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.07% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.46% |
| MICHAEL T EISEL3 Filed as: MICHAEL T. EISEL | 1318 LOGAN LANE WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| THOMAS W BOSTON3 Filed as: THOMAS W. BOSTON | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.53% |
| VAL YOUNG3 | 3974 N KESSINGER LN BOISE, ID 83703 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.16% |
| MICHAEL T EISEL3 Filed as: MICHAEL T. EISEL | 1318 LOGAN LANE WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| THOMAS W BOSTON3 Filed as: THOMAS W. BOSTON | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INS. CO. | $525 | — | $525 | 5.21% |
| JP GRIFFETH ENTERPRISES INC3 | 12416 WEST BRADDOCK DRIVE BOISE, ID 83709 | COLONIAL LIFE & ACCIDENT INS. CO. | $45 | — | $45 | 0.45% |
| WILLIAM KEZELE3 | 4370 STONEBROOK LANE IDAHO FALLS, ID 83404 | COLONIAL LIFE & ACCIDENT INS. CO. | $29 | — | $29 | 0.29% |
| HOWARD B MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INS. CO. | $27 | — | $27 | 0.27% |
| VIRGINIA KEZELE3 Filed as: VIRGINIA AYLES KEZELE | 15377 W VERDE LN GOODYEAR, AZ 85395 | COLONIAL LIFE & ACCIDENT INS. CO. | $3 | — | $3 | 0.03% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 220 MARKET AVE SOUTH, 4TH FLOOR CANTON, OH 44702 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $931 | — | $931 | 13.97% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 99 WOOD AVE S ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INS. CO. | $193 | — | $193 | 3.44% |
| HOWARD B MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INS. CO. | $28 | — | $28 | 0.50% |
| DENNIS N SHAY3 | 409 MANILA PLACE WESTERVILLE, OH 43081 | COLONIAL LIFE & ACCIDENT INS. CO. | $11 | — | $11 | 0.20% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 1601 HEATHERWAE LOOP POWELL, OH 40365 | COLONIAL LIFE & ACCIDENT INS. CO. | $7 | — | $7 | 3.63% |
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 | 323 | 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) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 323 | $926K |
| Dental(2 contracts, 2 carriers) | AULTCARE INSURANCE COMPANY | 331 | $1.0M |
| Life insurance(7 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 337 | $324K |
| Short-term disability(6 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 108 | $120K |
| Long-term disability(7 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 337 | $324K |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 323 | $926K |
| Other | FIDELITY SECURITY LIFE INSURANCE COMPANY | 22 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.