| 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 | $9K | 12.99% |
| DAVID A COSENTINO3 Filed as: DAVID A. COSENTINO | 61 SCUPPER LANE, SUITE 125 NORTHFIELD, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.71% |
| ASSURED NL INSURANCE AGENCY, INC.3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.70% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.66% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES H. JOBE | 6852 AMHERST DRIVE, APARTMENT 2108 SAGAMORE HILLS, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $373 | $0 | $373 | 0.80% |
| THOMAS WESLEY3 Filed as: THOMAS J. WESLEY | 837 MOSS CANYON DRIVE AMHERST, OH 44001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $323 | $0 | $323 | 0.69% |
| NICHOLAS A SHERMAN3 Filed as: NICHOLAS A. SHERMAN & OTHER AGENTS | 5041 WADKINS DRIVE GROVE CITY, OH 43123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | $0 | $221 | 0.47% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY, INC., | 9150 SOUTH HILLS BOULEVARD SUITE 250 BROADVIEW HEIGHTS, OH 44147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | $0 | $122 | 0.26% |
| CGI VOLUNTARY BENEFITS, INC.3 | 20046 WALKER ROAD, SUITE 5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.90% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.45% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | 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 | 126 | $66K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $66K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 16 | $13K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 46 | $47K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 46 | $47K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 46 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.