| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1301 EAST NINTH STREET, SUITE 3800 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $7K | $0 | $7K | 0.33% |
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | COMMUNITY INSURANCE COMPANY | $2K | $0 | $2K | 0.08% |
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | ANTHEM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.27% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1375 EAST 9TH STREET, 30TH FLOOR CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.94% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INSURANCE, LTD. | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $905 | $0 | $905 | 2.73% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $316 | $0 | $316 | 0.95% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | $0 | $53 | 0.16% |
| MJ INSURANCE3 Filed as: LAYNE FIN., INC. AND VARIOUS AGENTS | 315 GREEN RIDGE ROAD, SUITE H1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | $0 | $46 | 0.14% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE, LLC | 6155 PARK SQUARE DRIVE, SUITE 7 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.09% |
| CGI VOLUNTARY BENEFITS, INC.3 | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.06% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INSURANCE, LTD. | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 22.13% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $971 | $0 | $971 | 5.44% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE, LLC | 6155 PARK SQUARE DRIVE, SUITE 7 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $228 | $0 | $228 | 1.28% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1375 EAST 9TH STREET, 30TH FLOOR CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $213 | $0 | $213 | 1.19% |
| CGI VOLUNTARY BENEFITS, INC.3 | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $153 | $0 | $153 | 0.86% |
| JAMALICA D. TAYLOR3 Filed as: JAMALICA D TAYLOR AND OTHER AGENTS | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | $0 | $80 | 0.45% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | $0 | $55 | 0.31% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INSURANCE, LTD. | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.46% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1375 EAST 9TH STREET, 30TH FLOOR CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $764 | $0 | $764 | 4.31% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $439 | $0 | $439 | 2.47% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE, LLC | 6155 PARK SQUARE DRIVE, SUITE 7 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | $0 | $64 | 0.36% |
| JAMALICA D. TAYLOR3 Filed as: JAMALICA D TAYLOR AND OTHER AGENTS | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | $0 | $63 | 0.36% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | $0 | $49 | 0.28% |
| CGI VOLUNTARY BENEFITS, INC.3 | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | $0 | $42 | 0.24% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INSURANCE, LTD. | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.89% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $659 | $0 | $659 | 3.72% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1375 EAST 9TH STREET, 30TH FLOOR CLEVELAND, OH 44114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $460 | $0 | $460 | 2.60% |
| MJ INSURANCE3 Filed as: LAYNE FIN. INC. AND VARIOUS AGENTS | 315 GREEN RIDGE ROAD, SUITE H1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | $0 | $119 | 0.67% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | $0 | $71 | 0.40% |
| COVEY RUN INSURANCE LLC3 Filed as: COVEY RUN INSURANCE, LLC | 6155 PARK SQUARE DRIVE, SUITE 7 LORAIN, OH 44053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | $0 | $65 | 0.37% |
| CGI VOLUNTARY BENEFITS, INC.3 | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | $0 | $43 | 0.24% |
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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 336 | $2.2M |
| Dental | COMMUNITY INSURANCE COMPANY | 336 | $2.2M |
| Vision | COMMUNITY INSURANCE COMPANY | 336 | $2.2M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 347 | $61K |
| Short-term disability(4 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 40 | $86K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 347 | $61K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 336 | $2.2M |
| Other(7 contracts, 4 carriers) | ANTHEM LIFE INSURANCE COMPANY | 354 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.