| 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 | $10K | $3K | $12K | 12.91% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 7.69% |
| SHAWN HEITNER3 | 3602 GLENCAIRN ROAD SHAKER HEIGHTS, OH 44122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.96% |
| MICHAEL CHRISTOPHER KAMINSKI3 | 13400 TINKERS CREEK DRIVE VALLEY VIEW, OH 44125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.50% |
| DAVID A COSENTINO3 Filed as: DAVID ANTHONY COSENTINO | 61 SCUPPER LANE NORTHFIELD, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.21% |
| STEVEN MICHAEL MAZUR3 | 6415 MONMOUTH DRIVE PARMA, OH 44129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $996 | $0 | $996 | 1.20% |
| CHARLES HOWARD JOBE3 | 8421 EVERGREEN DRIVE SAGAMORE HILLS, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $980 | $0 | $980 | 1.18% |
| MJ INSURANCE3 Filed as: THOMAS WESLEY AND VARIOUS AGENTS | 837 MOSS CANYON DRIVE AMHERST, OH 44001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $668 | $0 | $668 | 0.81% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.36% |
| CGI VOLUNTARY BENEFITS, INC.3 | 20046 WALKER ROAD, SUITE 5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $515 | $0 | $515 | 2.67% |
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 |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $96K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $96K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 26 | $19K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 91 | $83K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 91 | $83K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 91 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.