| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER AND ASSOC., INC. | 1375 EAST 9TH STREET, 30TH FLOOR CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $45K | — | $45K | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER AND ASSOC., INC. | 1375 EAST 9TH STREET, 30TH FLOOR CLEVELAND, OH 44114 | AETNA LIFE INSURANCE COMPANY | $13K | — | $13K | 7.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 3.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC | 100 NE 3RD AVENUE, SUITE 610 FORT LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE COMPANY | — | $92 | $92 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON-GALLAGHER AND ASSOC., INC. | 1375 EAST 9TH STREET, 30TH FLOOR CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 8.06% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INSURANCE, LTD | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 5.49% |
| ROBERT A. PREVITE3 | 8151 EAST INDIAN BEND, SUITE 105A SCOTTSDALE, AZ 85250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $298 | — | $298 | 0.31% |
| MARK L HUFHAND3 Filed as: MARK L. HUFHAND | 3313 LEE STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.05% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC | 315 GREEN RIDGE ROAD SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.03% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 367 | $2.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 393 | $174K |
| Vision | AETNA LIFE INSURANCE COMPANY | 393 | $174K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 393 | $174K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 393 | $174K |
| Prescription drug(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 393 | $2.4M |
| Other | AETNA LIFE INSURANCE COMPANY | 393 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.