| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $10K | 13.37% |
| DAVID A COSENTINO3 Filed as: DAVID A. COSENTINO | 61 SCUPPER LANE, SUITE 125 NORTHFIELD, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.46% |
| THOMAS WESLEY3 Filed as: THOMAS J. WESLEY | 837 MOSS CANYON DRIVE AMHERST, OH 44001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $966 | $0 | $966 | 1.90% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES H. JOBE | 8421 EVERGREEN DRIVE BRUNSWICK, OH 44212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $395 | $0 | $395 | 0.78% |
| NICHOLAS A SHERMAN3 Filed as: NICHOLAS SHERMAN AND OTHER AGENTS | 5041 WADKINS DRIVE GROVE CITY, OH 43123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $227 | $0 | $227 | 0.45% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY, INC. | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 0.08% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 20046 WALKER ROAD, SUITE 5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.79% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $914 | $0 | $914 | 7.73% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $72K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $72K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 18 | $12K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 78 | $51K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 78 | $51K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 78 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.