| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 3900 KINROSS LAKES PARKWAY 300 RICHFIELD, OH 44286 | COMMUNITY INSURANCE COMPANY | $43K | $3K | $46K | 4.66% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | COMMUNITY INSURANCE COMPANY | — | $834 | $834 | 0.08% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 17.09% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $906 | — | $906 | 2.68% |
| BNYU LLC3 | 315 GREEN RIDGE ROAD H1 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $338 | — | $338 | 1.00% |
| YOST MICHAEL3 | PO BOX 14218 POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.85% |
| YOST MICHAEL3 Filed as: YOST LARRY A | 2421 SHEPHERDS RIDGE POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $814 | — | $814 | 3.83% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $524 | — | $524 | 2.47% |
| BERUBE MICHAEL W3 | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $151 | — | $151 | 0.71% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | — | $126 | 0.59% |
| HUFHAND MARK L3 | 925 SOUTH MAIN STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.28% |
| HUFHAND MARK L3 | 925 SOUTH MAIN STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.12% |
| HURLEY MICHAEL C3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.09% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 3900 KINROSS LAKES PARKWAY 300 RICHFIELD, OH 44286 | ANTHEM LIFE INSURANCE COMPANY | $846 | — | $846 | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | ANTHEM LIFE INSURANCE COMPANY | — | $181 | $181 | 2.14% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 103 | $992K |
| Dental | COMMUNITY INSURANCE COMPANY | 103 | $992K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 113 | $1.0M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 118 | $8K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 113 | $34K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 113 | $34K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 118 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
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.