| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MULLEN INSURANCE SOLUTIONS LLC3 | 7589 SUGAR CREEK DRIVE YOUNGSTOWN, OH 44512 | MEDICAL MUTUAL | $55K | $554 | $55K | 4.10% |
| MULLEN INSURANCE SOLUTIONS LLC3 Filed as: MULLEN INSURANCE SOLUTIONS | 4822 MARKET STREET YOUNGSTOWN, OH 44406 | MEDICAL MUTUAL | $5K | $21 | $5K | 10.04% |
| MULLEN INSURANCE SOLUTIONS LLC3 | 4822 MARKET STREET SUITE 210 YOUNGSTOWN, OH 44512 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.57% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVENUE WESTLAKE, OH 44145 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| YOST MICHAEL3 | PO BOX 14218 POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.09% |
| KARZMER JUSTIN3 | 2371 RENWICK DRIVE YOUNGSTOWN, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $837 | — | $837 | 3.28% |
| MULLEN INSURANCE SOLUTIONS LLC3 | 4822 MARKET STREET SUITE 210 YOUNGSTOWN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $837 | — | $837 | 3.28% |
| YOST MICHAEL3 Filed as: YOST LARRY A | 2421 SHEPHERDS RIDGE POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $700 | — | $700 | 2.74% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $697 | — | $697 | 2.73% |
| HUFHAND MARK L3 | 1664 NORTH MAIN STREET SUITE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.18% |
| BERUBE MICHAEL W3 | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.15% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INS LLC | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.13% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INS LLC | 341 COPPER CREEK OHIO AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.13% |
| HUFHAND MARK L3 | 1664 NORTH MAIN STREET SUITE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.11% |
| BOSTON THOMAS W3 | 139 MARKET AVENUE NE HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 20046 WALKER ROAD #5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| MULLEN INSURANCE SOLUTIONS LLC3 | 7589 SUGAR CREEK DRIVE YOUNGSTOWN, OH 44512 | MEDMUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.86% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 110 | $1.4M |
| Dental | MEDICAL MUTUAL | 85 | $52K |
| Vision | MEDICAL MUTUAL | 110 | $1.4M |
| Life insurance | MEDMUTUAL LIFE INSURANCE COMPANY | 125 | $12K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $37K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $37K |
| Prescription drug | MEDICAL MUTUAL | 110 | $1.4M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 125 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
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.