| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 1349 WEST LANE AVENUE SUITE 900 COLUMBUS, OH 43221 | COMMUNITY INSURANCE COMPANY | $11K | — | $11K | 1.62% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $8K | — | $8K | 1.07% |
| MULLEN INSURANCE SOLUTIONS LLC3 | 4822 MARKET STREET YOUNGSTOWN, OH 44512 | COMMUNITY INSURANCE COMPANY | $4K | — | $4K | 0.53% |
| MULLEN INSURANCE SOLUTIONS LLC3 | 4822 MARKET STREET SUITE 210 YOUNGSTOWN, OH 44512 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $989 | — | $989 | 5.44% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $572 | — | $572 | 3.15% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVENUE WESTLAKE, OH 44145 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $513 | — | $513 | 2.82% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $284 | — | $284 | 1.56% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $135 | — | $135 | 0.74% |
| BNYU LLC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $53 | — | $53 | 0.29% |
| YOST MICHAEL3 | PO BOX 14218 POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $595 | — | $595 | 6.84% |
| YOST MICHAEL3 Filed as: YOST LARRY A | 2421 SHEPHERDS RIDGE POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $391 | — | $391 | 4.50% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTL, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $292 | — | $292 | 3.36% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.95% |
| HUFHAND MARK L3 | 1664 NORTH MAIN STREET SUITE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.22% |
| BERUBE MICHAEL W3 | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.18% |
| HUFHAND MARK L3 | 1664 NORTH MAIN STREET SUITE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 3900 KINROSS LAKES PARKWAY 300 RICHFIELD, OH 44286 | ANTHEM LIFE INSURANCE COMPANY | $241 | — | $241 | 5.84% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | ANTHEM LIFE INSURANCE COMPANY | $165 | — | $165 | 4.00% |
| MULLEN INSURANCE SOLUTIONS LLC3 | 4822 MARKET STREET SUITE 210 YOUNGSTOWN, OH 44512 | ANTHEM LIFE INSURANCE COMPANY | $84 | — | $84 | 2.04% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 103 | $707K |
| Dental | COMMUNITY INSURANCE COMPANY | 103 | $707K |
| Vision | COMMUNITY INSURANCE COMPANY | 103 | $707K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 120 | $4K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $18K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $18K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 120 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.